Who gets the insurance check when a car is totaled?
If your vehicle is a total loss, the insurance company will write the check for the vehicle’s actual cash value (ACV) minus your deductible, and send it to you. You then will sign the check and forward it to the lender to pay off the loan.
Can you cash an insurance check?
You can run into civil and criminal penalties if you choose to just cash the check and start spending the money. If you’re receiving a check from an insurance company, then you’ve likely suffered damage to your vehicle. One option you have is to take the check directly to the shop that is working on your car.
Can I refuse an insurance repair?
The insurance policy gives the insurance company, not you, the right to decide whether it is cheaper for them to repair or replace the car. So, the short answer is “NO. YOU CAN’T REFUSE THE CAR.” If the car was taken to one of the very few Excellent car repair facilities, you should be okay.