florida-son (31 yrs old)leased auto and forged mom's signature as lessee - son signed as co-lessee - listed mom as principal operator with insurance in mom's name (perfect driving record) son had DUI 2 months later but no raise in insurance rate. mom is living in colorado when lease transaction and DUI occured. auto dealership fired salesman for similar situations. what recourse does mom have against dealership? what effect on insurance coverage if son is not listed on policy? son is currently in DUI counseling.