If a company cashes a stolen insurance check, who is responsible for replacing the money?

Question Details: My daughter had an insurance check stolen before it reached her. The check cashing company cashed it without photo ID. Information was given to this person per her landlord about her date of birth. The company called the insurer to see if the check was legitimate and they cashed it. The police have video of the person cashing the cash and have issued a warrant for her arrest. Now the check cashing company says the insurance company has to issue new check and insurance company says check cashing company has to replace money. Who has to pay?

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