Insurance companies differ and state laws vary regarding the question you asked. If the check was only made out to you only, and not to both you and the repair shop, generally you can deposit the check into your personal bank account. Once you do this you can then write a personal check or take out the cash to pay for the repairs. The insurance claim settlement money was given to you for repairs so as long as they are paid for in a timely fashion the insurance company most likely will not have an issue with how you get the money to the repair shop. How to Deal with your Insurance Company Regarding Claims is an article on our site that you might find of interest.
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