Someone drove my car, and was in a car accident. Their name is on the check under Claimant, but I am the person who is insured and the owner of the car. What can I do?
The check is only for car damage, not personal injury.
Talk to your insurance rep. Let them know that the name on the check is not right and that they need to reissue. You wil likely have to take the check to one of their offices and have them reprint a new one, but that is better than the risk. If it is someone you trust, you can just have them sign the check and write make payable to your name, or your garage if you want to make the check out to them, and then you sign below it and depsit it into your account.
Just have the other person sign the check whos name is on it. I've done it many times without issue. If you take it to a check cashing place they might have an issue but your back whom you have accounts with should likely not especially if you are depositing it.
Have him cash the check, then go ask the insurance company where your money is? Well, they'd probably go after him, being an insurance company.
How in the world did they issue a check to a person who isn't the owner of the vehicle? Seems like they'd have processes to verify they are paying the right person. In a case of vehicle damage, it seems like they'd verify that the payee actually owned the vehicle.
Or to put it differently: isn't that technically a fradulent claim?
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