If you are currently listed as an additional driver on your mother's original auto insurance policy, then the ownership of said vehicle is not a pertinent issue. You will need to know what type of insurance coverage your mother has. Do she have the trifecta of liability, collision and comprehensive insurance, informally known as full coverage insurance. If it is just basic liability auto insurance, was there another driver involved and was that driver insured? Your mother's insurer will send over an insurance adjuster, who will consult with all parties involved in the accident. The insurance adjuster will determine if the said vehicle is totaled. It was a good idea that you written down the mileage, because it is one of the factors the adjuster will use to determine the actual cash value of the vehicle. The insurance adjuster will subtract the deductible from the actual cash value to determine the payout. There is also the likely chance your mother's insurance rates will rise, unfortunately.