That depends on the insurance company and your expected length of incapacity. There is no law requiring it, but some insurance companies will establish direct deposit when your injury is catastrophic or severe enough that you are expected to be out of work for many months or years.  However, as a matter of practice, insurance companies do not like to establish direct deposit because it forces the adjuster to look at your file at least once a week when she has to authorize release of your income check.