Who gets the repair check?

If your car is financed, the insurance company will usually write the check in your name and the name of the repair facility. This is because the damage to the vehicle reduces the value of the car which means the finance company’s lien rights are also diminished. Therefore, the finance company will always require that the damaged vehicle be repaired so its interest in the vehicle remains protected. If your vehicle is not financed you should receive the entire check.