When you are paid a claim from an insurance company who is the check made out to the person driving or the owner of the car or the body shop?

if any person is on draft would be owner not driver.......it is very typcial to put the body shop on the draft to insure repairs are made....if no lien holder on vehicle, can get draft made to you only........in other Words if you have a loan, and NOT going to repair most times, the lien holder would also need to be on the draft, (this is for mo, ks, Iowa, ne)........also this is for first party claims only....