Can the insurance company give my check to the tow truck company without notifying me?

Question Details: The insurance on my car had lasped at the time so I had to get a whole new policy. Therefore, my insurer did not cover the accident. The insurance company in question claimed to only be liable. for rear-end damage. Also, I am only 20 years old and I'm active duty navy so I am not in the city all the time to deal with the issue. The tow truck company claimed the car had been abandoned after I called them to get an estimate how much it would be to get my car out ; which also after being very rude they said would be $1,900. The check was for $3,000.

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