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.
Yes, Your joint policy will cover the accident. You should contact your agent to determine if any points or rate increase would apply.
Car insurance is usually for a specific car. So if you are covered to drive your fathers car that would not apply to your mothers car.
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.
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.
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.
yes.
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
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.
That varies by states. In most states treatment related to mental health (including drug addition or abuse), abuse, fertility (including birth control pills) and pregnancy are protected information and can be withheld from the parents.