[StBernard] Insurance Checks

[Westley Annis]

i would like to know what law gives the insurance co the right to put the
mortgage co on an insurance check.  granted the mortgage holder has an
obligation to pay his debt , but why does he not have the right to cash the
check and send the mortgage co their share. 
what is the cut off point where you get all of the proceeds?
why is the same not done for auto insurance?
jj