<human>: Could you distill the essence of the text into 1-3 sentences?

Hi Reddit. My GF is somewhat estranged from her mother lately. We were in the process of moving everything out and into her name and new address when she got in an accident and totaled her car (cheap car, moderate damages from rear-ending another car). 

The insurance policy on the account is in her mom's name still, and the GF is an insured driver with her own car in her own name. We're hoping that the premium effect is solely on the GF - she was the driver, she carries the higher risk, right? 

Also, this accident has made it so that we can't really afford a premium increase and the payout on the car would be nice to have to pay down other debts. She can function without a car too. So would there be any short-term or long-term consequences if she canceled her coverage after the payout? If she decides she wants a car in 6 months, for example, what would be the consequences insurance wise if she were to do it this way?
<bot>: GF got in accident as insured driver on mom's policy. Wants to not have a car and insurance anymore, what is impact on mom's premium at her renewal and gf's long term options?