Who should pay on a wrecked car?

If you have collision coverage on your vehicle, you could try to make a claim for the repairs but the problem will be that you told your mother not to allow anyone else to drive and she went against your instructions.  The collision coverage might not apply because there was an non-permissible operator of the vehicle. If you decide to pursue a claim personally, I suggest that you make a claim against both your mother and cousin.  Your mother, because you loaned the vehicle to your mother and the wreck occurred while the vehicle was to be in her possession.  Your cousin, because she was the operator of the vehicle during the wreck. Also, if your cousin was covered under any auto insurance policy, make a claim against that auto insurance policy.