[Rodsrsr]

I don't see how the driver having or not having insurance matters. Pretty sure liability covers the driver not the car which is why you automatically have liability coverage on a rental if you have an active policy on your current car. From what I'm reading, this case didn't involve negligence, just a random failure of some sort that caused the tire to come off regardless of who was driving. This sounds like a comp case so the OP only needs to file with "his" insurance and forget about it. If his insurance wants to go after the mom for reimbursement that's up to them. Reporting the guy to the police seems rather petty IMO.