What exaclty are the purpose and definition of INSURANCE?

BEST CAR INSURANCE?????????????????????...
Im just curious and 17 yrs old
I've Geico right now. I'm a 17-year old child who has a vehicle accident on his document (in july 2010).
I noticed dad right a search for my ranger towards the  insurance quotes.top/cheap-car- insurance -cost-for-bmw-x5-for-twenty-year-old-drivers/">insurance  location for $75. im going to get yourself a 2003 mustang. How much may it cost for that on estimation only it'll and obligation be on my parents  insurance ? Im 16-year old male having a 3.0 gpa. I have my own personal job too.
"How could you negotiate with car  insurance  bureau following an accident in case you have no insurance to protect additional driver