Who receives the insurance check once the car's damage has been estimated?

Answer 1

It is YOUR choice. You can have the check sent directly to you, or to the shop of your choice. I have been in a couple of very minor fender benders, so minor you could barely notice the damage, so I just told the insurance company to send me the check then I pocketed it. Some companies try to talk you out of it, just stick to your guns.