Are accident settlement checks made out to both insurees?

If you were married at the time of the collision, then the simple answer is yes. Your spouse maintains a "loss of consortium" claim. This is because your spouse loses certain "services" that you provided prior to your injuries. Although intimacy is part of the package of "services" you lose, there are many other consortium damages. For example if you were the person who cooked meals and your spouse had to perform this job while you were injured, this is a service your spouse has lost. Housework, laundry, lawn care, driving the children, grocery shopping, remodeling, etc. are examples of services which a spouse may take over for you. These services are given very little consideration by the insurance adjuster prior to filing suit.  However, your spouses name must be on the check or your spouse may make a claim after you have resolved your claim.