It would appear that your insurance company still has your old finance company listed as a lien holder on your vehicle. When you have a lien holder, and thus are not technically yet the full owner of your car, settlement checks or checks for repairs are normally made out to both the policyholder and the financial institute that holds the title to your car.

If you have paid off your car loan then advise the insurance company so that you can have them reissue the check in your name only. If instead you have the auto loan through a different finance company then the insurance company needs that information so that they can correct their records and re-issue the check in your name plus the new lien holder's name.

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