my Insurance issued me a check for hail damage but I have a loan on the car ?

When your car is damaged by hail or similarly damaged, the insurance company will often make an estimate for the damages and issue a check to the car owner for the damages, even if there is a loan on the car.If you take your car to a repair shop and their estimate is higher, you then need to work with the insurance company for the additional funds. In your case, the damages are so high the insurance company is considering the car as a total loss. This changes the claim entirely.Since you have a loan on the car, the insurance company will not issue a revised check for a total loss without including the bank on the loan. You can try to find another repair shop who can do the repairs at the insurance company’s quote and then you can use the check issued by your insurance company. Otherwise, you will have your car totaled out and the check will be made out to the bank. If you owe more than that amount, or the same as the check amount, you will not receive any funds for your car, and you could owe the bank some additional money.