^^sbm
I don't believe it's fraud -- especially with insurance checks which typically have dual payee lines. I believe AW confirmed these were insurance checks. The key word on the check is "OR."
Also, I know its acceptable for regular checks because I have a joint account with my mom that lives in another state and I can make deposits without her endorsement.
Except for the IRS, I think most two-party checks are issued as "OR." If you receive a joint tax return paper refund check, I know it must be endorsed by both taxpayers. And if you opt for an electronic/direct deposit refund it must also be deposited in a joint bank account.
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Do both parties have to sign a joint check?
Can I deposit a 2 party insurance check?
Two-
party insurance checks are the same as regular checks except that they feature two names on the “Pay to the order of” line instead of one. ... Party A or Party B.
If the word “or” is written between the two names, that means either party can endorse the check and deposit it into his or her personal bank account.