Will my insurance company cover the price of my car loan?

"My child 27 yrs old was in a vehicle accident wasn't damageCould you generate a guardianis automobile in NY without  insurance ?
"In all importance"I'm going to get my certificate when i turn 18 (yes your day I switch 18) and I was only today thinking abt insurance. I've never truly seriously considered it before. Consequently can those who have been through the obtaining insurance issue aid me? Here's some things to mount up: 1. Very first time driver (litterly only got license and car) 2. Did not execute a people ed in a high school (noticed it costs more if u don't take it) 3. Likely to drive a large 4x4 diesel vehicle 4. I'm a guy And that's abt it I imagine. Idk what insurance company I'm going to be applying. Probably my mothers insurance company. But I actually donot understand what it is. Additionally. The  insurance  will not be under her brand (if she can even do this) because I will be an 18 year old person. Howmuch is  insurance  likely to cost on a monthly basis