I am licensed in Nevada, but this answer should apply in California as well.
If your mom had the car insured and you were a permissive user, her insurance should provide coverage for this accident. Take the Complaint (the legal document used to file suit against you) to you moms insurance agent or insurance company. They should accept coverage and provide an attorney to represent you in Court. DO NOT DELAY as an untimely answer could result in a default Judgment against you. I suggest retaining your own attorney if the insurance company does not appoint one for you.
Whether or not they can go after your mom or dad are fact specific questions. Whether or not they can attempt to garnish against you is also fact specific and may depend on whether or not you file a bankruptcy.
Hope this helps.
/s Donald Kudler
If the "car was insured", then generally you too should be insured as a "permissive user" of the car, unless you were specifically excluded on the policy. As for your mother's liability, generally speaking an owner of a car is liable for up to $15,000, but that is "concurrent" with any insurance coverage. Thus, if and owner complies with Cal. law & has at least the minimum coverage of $15,000/$30,000 liability coverage, the owner faces no personal exposure simply for being the owner of the car. (I would caution, however, that the owner can be "independently" negligent. For example, if you were drunk and your mom let you drive the car, she could be found negligent for letting you drive, separate and apart from any negligence you might have for the way you drove the car.)
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First of all, do you know that you would not be protected as a "permissive user" of the car under your mother's auto liability policy? Ordinarily, unless you are specifically excluded under the policy, you would be covered as a permissive user. As to your mom, she would be covered up to the policy limits, and the insurer will certainly pay to have her defended, absent some basis for exclusion that is not revealed by your description of the matter. From all of your comments, it sounds like a situation where the other party will not wish to pursue you or your mom personally, but will settle for whatever they can get from the insurance companies.
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