Due respect, but my takeaway from this was 'my mom had let my insurance expire' and I was like .. whuuuuttt? The minute you get your license and are in possession of a car; only one person is responsible for insurance. Now to be fair, to make insurance cheaper you can usually opt-out of the theft insurance, which drastically reduces your monthly payment, but ... 'my mom let it expire'? Yikes. Sadly .. this is a painful painful lesson and I'd do everything I could to learn everything I could from it.