My name is ***** ***** I'd be happy to answer your questions today.
Your mother is only responsible as the owner of the vehicle if there is evidence that you are an incompetent, reckless, or bad driver and your mother knew that you were a bad driver when she agreed to let you borrow the car. Essentially, they'd have to be able to prove that she made a mistake in letting you drive, and that her mistake caused the accident.
Whether her umbrella policy will cover her depends on the terms of the policy
itself, but typically, it would cover any liability arising out of or related to the vehicles that she owns. Note that if you drive the car regularly and are not listed on her car insurance
policy as a driver, you may be excluded from coverage. In that case, the umbrella policy likely wouldn't cover her. If she's not sure what the policy covers, she should talk to the insurance company.
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