Yes, an insurance company can issue a claim check with both names on it if the vehicle is registered in one name and the insurance policy is in both names. This is because the insurance policy is based on the vehicle's VIN (Vehicle Identification Number) and not the name of the owner. The VIN is a unique identifier assigned to every vehicle and is used by insurance companies to identify the vehicle and determine coverage.
When a vehicle is registered in one name and the insurance policy is in both names, the insurance company will typically issue the claim check in both names. This is because the insurance policy covers the vehicle, regardless of who the registered owner is. The claim check will be made out in the names of all parties listed on the insurance policy, which in this case would include both you and your spouse.
It's important to note that the process of issuing a claim check with both names on it may vary depending on the insurance company and the specific circumstances of the claim. Some insurance companies may require additional documentation or proof of ownership before issuing the claim check. It's always a good idea to check with your insurance company to see what their specific requirements are in situations like this.