Hi, I’m 20, I live in Indiana, with my S/ O. This is what my license and registration on my vehicle says. I purchased a vehicle from a family friend around two weeks ago. This past Monday, upon leaving for work I discovered that someone had left me a nice dent in the side of my vehicle. My first step of action is was to start a claim with my insurance company to find out what they can do. They deem this under the “collision” portion of my insurance, and inform me I’d just need to pay a $500 deductible unless I can find out who did it. Pretty standard stuff, whatever. I tell them to wait to start anything until I have some time to investigate and see if I can’t get a name and license plate number. That night, I file a police report on the damages to the vehicle. Now today, my distraught mother(whose insurance policy Im still on) calls to tell me the BMV is going to need verification of me being insured to go with the police report, while my insurance is going to need my vehicles registration which will show that I’m not living at the address specified in our policy. After that, we’re expecting the insurance company to decline me being insured because of that misinformation, which will lead to the BMV suspending my license for three months per their typical policies.

I, again, am 20. I work full time, but don’t live with my parents. With that being my situation, I can’t comfortably afford to pay what my insurance would cost if I had my own policy. My parents and I have an agreement of me paying basically 70% of the plan cost and they cover the rest. Do I have any options in this situation to avoid riding dirty for three months while my license is suspended?

Anything you all have to offer is greatly appreciated, thanks everyone!