Andy, based on your follow-up I may not have made it clear in the previous post. If you and the insurance company can come to an agreement on repair costs, and there's no lien holder on the car, they have to make the check out to you as you're the named insured.

One pitfall in that is that they may suspend the policy until you demonstrate that the car is repaired. Then, it'll probably be the same process over again to establish value, and policy amount.