Your mom's priorities are a tony, just a little, completely ******.

Well we know who the favorite is

Berate your brother back and make him pay you back, even if it takes years.

Sounds as if your Mom has been playing situations like this for a long time.

Yea id make the Lil shit get a part time job and pay for it all. If your mom protests than she better pay for it.

Look up parental narcissism. I was blamed for my 15 year old sister getting pregnant while I was living in another country. I feel for you. I hope insurance will help.

Maybe you Mom needs to learn that you having to file a claim on your insurance is going to haunt you for years on your premiums, insurance consumer score and, and even your consumer credit history. I wouldn't let it be water under the bridge either, she made the decision to let your brother use it, he made the decision to run it into the garage. While you made neither decision, and you are the only one losing anything in this. Make them both feel like doody for this, and I would try and get some reimbusement from them, at least for you deductibles.

your mother is a moron. ffs

Trust me everyone with siblings has to go through this phenomenon. It's global and sort of embedded into all parents' dna

Bring mom and brother to psychotherapy, and make sure mom pays the bill.