I’m underage and scratched a car in the parking lot. My insurance is already high as it is I can’t afford this and neither can my parents. The damage is very little, I don’t know if the insurance should be involved no one got hurt and the damage is minimal. I just have my permit and the car is under my mom’s name, how much would it cost to just fix the damage? Its kind of long and a little bit of paint came off but it’s not super noticeable. I’m at fault now my insurance will be through the roof and my license will be taken away for driving with only a permit, plus I’ll get a ticket and maybe court. Please help I’m panicking.