I am 16 and recently got my driver's license. My question is, if my mom has insurance on her car, isn't it O.K. for me to drive it? Like, if I was driving her car and got into an accident, what would happen? She says that I have to be put on the insurance to drive her car legally, but other people are telling me that if the car is insured already, then everything is alright. Will someone please clear up this confusion? What is the truth?