My Wife Totaled A Car On A Shared Policy. Insurance Check Was Sent In Both Spouses Names -- Do Both Spouses Need To Endorse The Check? 
Most checks I 've seen have been made payable to husband and/OR wife . If this is not the case , then I agree with Jim that you can ask that the check be split . If this is what seems an impending divorce action , you may ask that the check be issued to a third neutral party until all issues are resolved . I wish you all the best . 