[96SEChick]

Just a little tidbit of info: Many insurance companies no longer issue checks for repairs directly to the customer. They are trying to avoid the "check pocketing" practice done by claimants (people not at fault in the accident). They instead will issue the check to the bodyshop when repairs are completed.

If this guy who hit you has American Mercury--I think they may be a "direct bill" insurance company--meaning they issue payment to the shop instead of the customer. You may want to check that out before you plan on giving 1/2 the money to your dad. Go ahead and get estimates from 2 or 3 reputable bodyshops--and ask the bodyshops if they know which process that particular insurance company uses (if they know). That way, you have the estimates if the insurance company wants them, and you have an idea of how the insurance company works.