First, communicate with your customer in advance of appointment date as to inquiring to ins co to receive a check before repairs. Second, ask the customer if there is a second endorsement at least the day of drop off, and most importantly, worse case secenario the customer shows up de.livery day with a finance co endorse check, take it, stamp it with your for deposit only stamp from your bank, have him/her sign it, have the customer sign the repair order as responsible for payment, and send it to the finance co yourself. the latter may take a while, but the check is worthless to the finance co. towards any behind payments.