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What do I do if my insurance does not pay for an accident that I had while driving a rental?

Question Details: My mom rented a vehicle in her name and my sister and I were add-on drivers. I hit a post at a gas station with the rental. We did not get the renter's insurance. Neither my mom's car insurance nor my car insurance will pay for the damages both say the other is liable. The collection company for the rental says that I owe the $1,484. I want to ask them if I could pay off the amount I owe in installments. I'm not sure if they will agree to installments but that is all I can afford. If I send them a check monthly do they have to accept it?

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