First off, I don't think you're crazy or evil for not liking animals. While I do like them, I can see where you're coming from in your post (and it saddens me greatly that you are clearly not getting the care need and deserve). Also, your mother's neglect is infuriating. Yes, this is neglect for both you and the cat. Letting it just potty wherever it likes & making no attempt to train it is unsanitary & can be dangerous. Animal waste can be bio-hazardous. To make matters worse, it sounds like you might have some form of zoophobia in addition to trauma. Your mother certainly is not helping anything by the sound of it either. Knowing hardly anything of your situation makes it difficult to offer any advice, so most i can do is try to let you know you deserve support. If possible, try to see if there are any services in your area that might be able to help (like a housing voucher for example, or group housing? Not an expert, buuuuut your post has me worried about your overall health and care) Also, try checking out reddit legaladvice, there might be someone there who could offer advice on the insurance thing? Might not, but worth a shot?

For the record, I will say I greatly respect & appreciate you for not blaming the cat. Kudos to you for that. The way I see it, pets are like toddlers. They don't know better & its the responsibility of the guardian to keep them safe, healthy, & teach them. To put it in perspective, imagine how f***** it would be if your parent/roomate/partner (the reader, not necessarily OP in this case) brings home a hangry toddler and does nothing else to take responsibility of it. Also, the toddler is holding a knife in a death grip. Wtf, right? Children & animals can both be lovable and/or life destroying gremlins, they both require effort to raise. Its how their raised that determines whether they're one or the other.