There's probably nothing to do next except be thankful you survived. Airbags don't always deploy in a crash. There is a very specific sequence of events that must take place in a crash to trigger the airbags.

If the airbags didn't deploy, it's often because they not only wouldn't have prevented the kind of injury that resulted from the impact, deploying could have actually made the injuries worse. If the system detects that a driver's/passengers body wouldn't be travelling with enough velocity AND/OR in the proper direction for the airbag(s) to help, they are purposely designed not to deploy..

If you slowed gradually at first (say you ran over some trees/other objects to slow the truck gradually before an impact that stopped the truck) or if you happened to be sliding sideways or at an angle where the front of the truck didn't impact the tree directly from speed, the airbag system NOT deploying quite possibly saved you from further injury. Airbags aren't soft like pillows when they deploy and contact you - they deploy with tremendous force. If a front airbag were to hit you as your body was being hurled sideways during the course of an accident for example, the impact of the airbag could easily knock you unconscious or worse. You only want the airbags deploying when they will help you. My guess is they wouldn't have helped you if they deployed, so they didn't deploy.

It costs nothing to call ( all insurance companies I'm familiar with have toll-free numbers ).

Cancelling a policy may involve a cancellation fee. Read your insurance contract to see if it mentions anything about an early termination or just call and ask.

Every state makes their rules for the road (a majority are the same). In my state on a temps license (learners permit maybe what its called there) you must have a person at least 21 years of age with a drivers license in the passenger seat to drive a vehicle. So legally, most likely in order for you to drive legally (insurance included) in your state it might be at least 18 years of age. I'm not sure. But let's say you drive without abiding by these rules and you get into an accident, insurance won't cover damages (if your covered or not), your mom will be fined and probably looking at jail time for child endangerment allowing you to drive without a full license.

Maybe. You didn't say what these modifications are.

If you're talking about that typical "boy racer" bling, no. Insurance companies don't care if you install pimp-lights, a $300 whoomp-whoomp bass box, upgraded spark plugs and a leopard print steering wheel cover.

If the mods actually affect the value and/or operation of your vehicle, then yes. If you dropped a bigger engine into the vehicle and had the exhaust system custom built, if you jacked up the suspension and turned it into a monster truck, or if you installed a jet engine, they need to know about it.

It's all about what those modifications are.

Contact this collection agency, whoever they are, and ask for written copies of any and all documentation they have pertaining to this mysterious debt. Also, ask them to verify why in hell's name they are talking to your son when the owner of the vehicle is your humble self.

This whole thing stinks right now. In the civilized world, the owner (not the driver) is legally responsible for their vehicle and any loss or damage it causes. Doesn't matter who was driving or what an insurance policy did or didn't cover at the time, the owner is legally responsible. That's the law, and everyone who knows the slightest thing about insurance knows it.

And if this amount is owed, why were you not notified of this debt earlier? Credit collections agencies don't work for free, and they're usually only hired when the creditor has exhausted all their resources trying to collect the debt.

I'm not saying anyone is trying to scam your son, I'm just saying that it really really smells that way. A real credit collection service will be able to produce a stack of documentation proving that they're legitimate on a moment's notice, no exceptions. If you ask them and they give you nothing but excuses, you're dealing with a scam artist.