<prompt> Human: So I backed into a car and in a parking lot and agreed to pay the amount myself rather than going through the insurance. Its about 1400 you can check my post history if interested. The thing is the other party is saying that the body shop wont take a payment from me because Im considered a third party and they dont deal with 3rd parties. She wants me to write a check to her before she drops off the car for repair. Are my bases covered here? Can I cancel the check if they claim to not have received it or lost it after cashing it?  <response>: Youre asking to be screwed. Insurance isnt just there to pay claims. Its there to protect you. 