You are At Fault for "undue care and attention" but the driver of the car you rear ended will also be charged without having a license. The mother of the driver will be fully responsible (insurance wise) and if you are lucky will have to pay for the damages of your car. It depends on how the courts see it. If the damage is minimal and the mother of the car is willing you can settle out of court (a better way to go) and she can agree to pay any expenses to the damage on your car. Don't do this if there were any injuries caused to either you or the driver you hit. Go to court.
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.
The same way get malicious mothers driver's licenses revoked for visitation/ parenting time interference.
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.
Only if you are 18
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.
Mothers against drunk drivers
More than likely it will be much cheaper to be on you mothers insurance. If you have your own vehicle you will need insurance, depending on the circumstances, you may want to be designated as driver of the cheaper vehicle to insure even if that is not your vehicle.
No.
Legally, only with permission of the court.
yes.
cab drivers, chauffers, mothers
No.