AboutJay K. Williams, AAI, AIP, CIC, CRM Expertise I can answer questions relating to the following coverages: personal auto; homeowners; commercial auto; commercial liability; commercial property; business income and all other property and casualty coverages.
Experience I have been in the insurance industry in Florida since 1979. I am currently the president of a Florida domestic insurance company subsidiary. I've taught continuing education classes in Florida and across the country. I am quite familiar with all coverages including Florida Condominium master policies and unit owner policies. I also specialize in agent professional liability. I have been a professional educator since 2001.
Organizations I am a member of the Florida Associaion of Insurance Agents, the state affiliate of the Independent Insurance Agents and Brokers of America.
Education/Credentials I currently carry the following professional designations:
Accredited Advisor in Insurance (AAI)
Associate in Insurance Production (AIP)
Certified Insurance Counselor (CIC)
Certified Risk Manager (CRM)
Question My son was driving my car and was in a car accident where the other party received a ticket for unsafe movement; he received a ticket for no operators license. His license was valid, just didn't have it on him that night. However, my insurance had lapsed. The other parties insurance adjuster is now claiming the accident is my fault and has placed a collections claim against me for their policy holder's auto. Am I liable for their vehicle if the police officer even said it was their fault? I fixed my auto out of my pocket.
Answer Hi Kathy,
Sounds like a feeble attempt by the other insurance company to scare you into accepting blame for the accident. Given you description of the accident and the charges filed, you should NOT be held liable for the accident AND the other insurance company should be paying to fix your car.
