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 If MY car is titled to me but my 22 year old son drives it, is employed, lives outside of my home, and in fact in another city, can i insure it or Must I re-title and have him insure it?
It is MY car that I am allowing him to drive until he gets himself established.
Answer Hi Laura,
If the car is titled in your name, then it should be insured in your name. Your son should be listed as a driver and the policy should be rated according to his age, marital status, and the location where the vehicle is garaged.
That being said, it's important to remember that as long as the vehicle is titled and insured in your name, YOU are the one that will be legally responsible for any liability issues that may arise as a result of the use of the vehicle. Since he is no longer in your household you have much less control over how the vehicle is being used. That may not sit well with some companies.
The bottom line is that you should be the one insuring it as long as it is in your name.
