Generally, the claim payment check will be sent to you, however the check will be payable to both you and your bank. The bank will have to endorse the check to you.
The insurance company issues the check in both names, because there is still money owed on the vehicle. In which case, you would not be allowed to make your own repairs.
I would check with my insurance agent. Personally, I get discounts for having home owner insurance, multiple cars, and, defensive driving.
Legally, its the friends because the insurance was in the friends name. Insurance checks are meant to be used on repairs to the vehicle or toward the purchase of a new vehicle. So you could try to force the friend to use the check toward the vehicle by taking them to court. Or you can start paying for your own insurance and not have to worry about the loyalty of your friends.
== == The cost of the monthly permiums should go DOWN, as the cost of replacement of the car, or repairs to it will be less expensive. Check with the insurance agent.
Talk with the adjuster and explain the situation and I'm sure they will work something out. They may still have to issue the check to you and the lienholder because you are the person who has the contract with the insurance company.
Typically if the cost of repairs exceeds 85% of the value of the car, the insurance company will offer to total your vehicle, because of the amount of time it takes to complete repairs combined with the labor/processing costs the insurance company incurs, makes it more time and cost efficient for the vehicle to be totaled out. You will receive a check for the actual cash value of the vehicle minus your deductible
In most cases, whether you can demand the check be made payable to you instead of the repair shop depends on the terms of your insurance policy and the agreement you have with the repair shop. If the insurance company has listed the repair shop as a payee, it usually means they are responsible for ensuring the repairs are completed. However, you may be able to negotiate with your insurer to have the check issued to you, especially if you plan to handle the repairs personally. It's best to contact your insurance provider for clarification on their policies.
yes
Sure, you can request it, but they won't do it unless you are capable of doing the repairs yourself, and then they will give you the check AFTER the repairs are made.
If you want to collect the depreciation your insurance company withheld from your claim payment you must make the repairs to your home. After you make the repairs contact your insurance company and they should issue a check for the depreciation.
Report it to your insurance. They will contact the other driver's insurance company. Unless you live in a "No fault" state, in which case your insurance will pay for repairs, less deductable. you would call her insurance, if you do this your insurance will not go up. her insurance is liable for the damage to your vehicle and will pay to fix it. If you put the claim on your insurance then your insurance will go up and they will have to pay to fix your vehicle.
Geico and Allstate both offer discount vehicle insurance, just check out their websites.