How can i go about cashing an insurance check with two other parties(one signed, the other MIA) on the check?

Answer 1

This can get complicated. You must, first of all, make some effort to locate the MIA. If that fails, you may attempt to prevail on the insurance company to issue the check just to the two of you -but don't be surprised if that runs into a dead end. The other option is to have the policy, if it is still in force, endorsed to change the name of the insured to take off the MIA name, and THEN ask for another check. If NOT ion force, get it reinstated and THEN endorse off the MIA. Somewhere along the line, a surety bond may be required, which basically says that you and the other payee agree to make up the difference if the MIA shows up.

START with the agent who issued the policy, and work your way from there.

Answer 2

You can't cash it. Any check requires the signatures of all payees in order to be legally and properly cashed. I have no idea why the third party is MIA, but your options are to not cash the check, discuss the situation with the insurer who issued the check, or to find that MIA.

Answer 3

You probably want to request that the check be reissued. If there is a reason why the third person cannot sign they might be able to ressiue the check which is the only way you get the money

Answer 4

You can't. All three parties have to sign off. Or you have to talk the adjuster into reissuing the check, but legally, they shouldn't do it.