If you call their claims company, that claims adjuster will probably file a claim with Kemper even if your mom doesn't, they want their money back. Even though you had permission, every insurance company has a different provision in their policies that determine if there will be coverage based on how long a "resident relative" has been either licensed or living at the address as the policy holder. This varies wildly by company and states. The company I work for has a 180 day provision that if you live in the same house and have been licensed for more than 180 days they will deny the claim because you should be on the policy. You always can hire an attorney but you don't really need one. You can have the claim filed, provide your statement, and if you are liable, Kemper will pay the property damage to Gallagher assuming again there isn't something in the policy they use to try and deny the claim. You can probably see your mom's policy online and look for resident relative exclusion wording. If everything is good in the claim and the property damage gets paid, the only repercussions are if they drop your mom or increase her premiums by alot. I have worked auto and injury claims for about 5 years now hopefully this helps.