Auto Insurance Claims: Forced to pay auto insurance, juris doctor, household family

Question
I recently got into an accident and lost my car, so I added my self to my brothers plan to drive his car. When I removed my old insurance on my Mothers plan they said that they couldnt and I would have to pay $600 a year to drive my mothers cars because I do not have a car title in my name and im not a primary driver on an insurance policy. Im 18 about to be 19 and going to college so I will NOT be driving my parents vehicle... How can they force this onto my mothers auto insurance plan?

Answer
Hi Phillip,

Dr. Settlement knows auto accidents and litigation to recover for bodily injury insurance claims.  Contract issues involving insurance are left for civil contract or insurance experts.  Elsewhere on the list of experts for this are two very good resources for insurance purchasing questions like this one.  A trial litigator like me never gets into questions regarding purchasing insurance since we deal with accident liability and damages.  Hence, I am going to respectfully beg off and have you go to one of those two experts who worked in the insurance industry.   You can read their bios for their background.  

For what it is worth, however, you will need to let the expert know where you and your brother are living, since "household family member" is a special category that has rights under a policy.  

I got to this question quickly so hopefully I did not cause you any delay in getting your answer.  But I would rather have you get accurate information than my guesses on contract issues.

Best wishes,

Dr. Settlement, J.D. (Juris Doctor)
http://www.SettlementCentral.Com