My mom got sick after we ate and pulled over for me to drive because she couldn't drive safely. I get into the drivers seat and begin to pull back onto the road in a residential neighborhood road when I accidentally clip the rear end of another car. Our car is still drivable the front is just smashed and the other cars side is somewhat dented and the rear tire went flat. No one was hurt. My mom is fully insured but I am not on there policy as of right I was taken off the policy when I left for college and I have no access to a car in LA. What will happen with insurance will I be covered through there insurance since i was given permission to drive due to the circumstances and the person was also in the car with me during the incident?
You posted this question already, and it was answered.
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The best way to find out if you have coverage is to file a claim. You certainly won't have coverage if you don't.
Your insurer will probably cover you so long as you had permission to use the vehicle. You were not on the policy, so if you were a regular resident of your parents' household that could be a problem, but being away at college means you are not the primary drivers of their vehicles. Still best to have you on the policy when you do have access, but the carrier faces a large exposure if they decline to cover you.
Most insurance policies require you to report all collisions, so you will have to call your insurance company anyway.
Best of luck to you - hopefully everything will work out, and my guess is that it will.
Your mother's insurance policy should be examined for coverage for "permissive users". That is, anyone operating the vehicle with the permission of the owner would be afforded coverage. That sounds like your situation.
Do you have a vehicle yourself? If so, is it insured. If yes, your own insurance will cover you as a last resort.
I agree with the prior answer that you will not know if you have coverage until you file a claim.
I do not provide legal advice over the internet nor do I agree to be retained over the internet. This information is provided as general information only and not legal advice. If you want legal advice, you should consult an attorney in person to fully discuss your situation.
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