Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
Yes, Your joint policy will cover the accident. You should contact your agent to determine if any points or rate increase would apply.
you are covered ONLY if the owner of the car you are driving is insured for occasional drivers. Your mother's insurance has nothing to with another 's person's car that you have borrowed.
Not unless you are somehow liable for your mothers injuries. Accidents happen everywhere, in the home, in the park, at church and on the sidewalks. Your moms existing medical insurance will see to her health needs.
The knowledge and perception level of antenatal mothers on tubal ligation seems to be very low. Most of the mothers do not understand this method of family planning and are afraid of using it.
yes.
This will depend on your State and what their regulations are regarding this matter. In Georgia, your license will remain suspended until you finish reimbursing the party you hit and their insurance company who may have paid the claim under their uninsured motorists coverage. They will allow you to make payments over time to get it paid off. I remember a 15 year old girl that drove her Mothers vehicle. Because, she wasn't a licensed driver, the insurance company denied coverage and did not pay the claim. She could not get her first license until the $5,000 damage she caused was paid back to the other parties insurance company. The Mom had insurance but did not notify the company of the drivers and let an unlicensed driver drive the car and she new she had no license as it was her daughter.
Mothers are generally worried about the safety of their children. Scooters provide little protection from an accident. And young riders are inexperienced and often distracted drivers.
No.you lack insurable interest
If you were driving within the law old enough held a valid licence at the time and indeed included on the insurance theres a chance you will be covered by the insurance but seeing as it was your mothers car and insurance and through the result of an accident caused by your own admittance by yourself which takes all blame away from her then this being the case the insurance would still have to pay out on her insurance policy.
That is something you have to ask her. All insurances are different.
The best thing you can do is be straight forward and completely honest. If it was an accident explain that.
Yes, however it would be foolish of any person to uninsure a vehicle they own while they know it's being driven. Not only can the owner of the vehicle be issued a citation if a driver of their vehicle is caught without insurance, but if the driver causes an accident and their is no insurance on the vehicle, the owner of the car can be held responsible for the damages caused.