Because your mother has an umbrella policy through AAA, she is likely required to have you rated as a driver on her policy. This is a common requirement with insurance carriers who offer umbrella insurance.
We are sorry to hear that you were involved in an accident and to hear about your current predicament. Does the primary policy holder have the written policy so that you can see what cars are covered on it and for which coverage?
Depending on your insurance company, there are a few ways to remove a vehicle from your policy. Many major providers allow some policy changes to be made digitally— either through their website or mobile app.
To get insurance on a vehicle with a rebuilt title, you need to find the proper insurer since not every company does. It’s important to note that most carriers will only insure vehicles with salvage or rebuilt titles for liability coverage only.