Last night coming home from work a hit a coyote that ran out in front of my 02 gt, anyway my bumber is all fubarred. Well i have real good insurance with state farm and a deductible of just $50.00 bucks, my question when i have the adjuster look at my car monday will he cut me a check personally to me? Some guys at work said if your car is financed the insurance co. will cut a two party check to you and the lien holder, and some others said the insurance company will cut a check to the repair shop only. I want a check made out to me personally that way i can go and buy an aftermarket cobra bumber and have it installed and still mabey pocket some money out of the deal. If there is anyone out there with any info on this subject please fill me in thanks, Jeff.