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Yes you can be liable for this. If this is the first letter and it did not come certified yes throw it in the trash and move on. The only way they can make you pay is to take you court and get a judgment against you. Until you get a summons to appear in court don't worry about it. If you do you will have chose to have your insurance company or a lawyer represent you. FYI the insurance company has lawyers that you have paid already. I have been through this with my Son. Similar situation, they sued my son personally for $1,000,000. Sent info to insurance company they worked it out he never had to go to court. it is a ploy to get more money from your insurance. company.
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