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“In NYC can I make funds on my auto that is borrowedInsurance on a car that’s my mothers?

I had an accident a couple of months back that we wasn’t to blame but caused my car to be written offExactly why is motor insurance so tousled?

“I’m not twenty years young Dwv suspended my liscense to get a year”Hi please enable me I truly need to get a car when I will. I’m 20 years old i live-in NYC. I’m likely to buy a car the moment I am aware the answer to this problem. I wish to know how much will i need to purchase my auto insurance ? I thought on putting it under my fathers name