I dont know where any state laws come into play concerning a comprehensive insurance contract. But Liberty Mutual will issue the check to you without regard to financing as long as the damage is less than $5000 (in Texas). If you have payed off the note then the payout, regardless of the amount is yours to do as you wish. Dealers say a lot of things that are not true, including citing non-existent laws (quoting laws that do not exist in order to influence a financial decision is extremely illegal in Texas) I got my quote for my TowMax damage, submitted the quote and took the rig in for the repairs that I wanted him to do. He quoted $500 for the rim and 1500 for the skirting and trim, I had him prepare some of it I determined the rim was serviceable, I mounted the new tire that BloMax sent me and sold all five of them. He whined and complained, and even told me it was illegal to do what I was doing. NOT being a chump, I informed him that I did not want to break any laws, would he please tell me what laws he was referring to, and he had no answer, so I informed him that whatever I did, it did not include him, and that if my insurance company had a problem with it, I was sure that they had the resources to recover their money. So many times this stuff is fiction and mythology, and is all actually subordinated through your insurance contract, of which your repair shop is not a party too. So let your agent be the last word on the subject. Theoretically, if you filed with your insurance company and they paid, then TowMax decided to pay you also, what is your obligation, if any, to your insurance company? Or what if you just got an estimate and Towmax paid, and there was no insurance involved at all, would the repair shop still have to sign off on the payment? I doubt all that. I think that the insurance co and your policy dictate all that, and if you can get your insurance company to send you a check without your finance company being involved then you are miles ahead in the DIY department and will have a bunch of money to spend on a new set of G614s when you're finished. Even then all your finance company wants is to know is if the damages were abated before they sign off on the check, given that, you could effect the repairs yourself then send photos to the finance company so they could sign off on the check. My advice is to look at the damages real close, I bet you will find that it is a weekend job and that you can get Heartland to send the parts to you. Some of them are industry standard and some are Heartland specific. Get your duck in a row, and see how much of it you can do, I guarantee you will do a better job than a dealer will do, because you care and you will have a fat wallet when it is finished. That is where you get the money for those G614s.