Only one thing wrong with that suggestion, Jac. If I were a bank with one of these cases, I would not want to hand the offending check over if my customer hadn't paid me for it.

I suggest starting with the Insurance Company and explaining to them what happened. Hopefully they can reissue the check and you can get proper endorsements. Sad this happened because the teller should have checked the endorsements before depositing the check.

The insurance company will requie proff that the motorcycle was repaired with the proceeds of the check before htey will even consider working with you on this.

You would probably be surprised how many people intentionally cash these check and naever have the reapirs made.

This is done to propetect the loss payee or the lender. If repairs are not made and the vehicle repossessed, they cannot recover the outstanding amount of the loan, only slavage value, if any.