Option 1 is to have your mother or whomever is now your legal guardian file the claim for the life insurance money, and get it put in a special account administered by an adult, who can use it for your educational needs (college deposit, etc.) immediately, until you turn 18, when you can use it for anything.
However, the car is not a possibility. To own a car in CA, you need car insurance. Even if you get the money, you cannot buy car insurance as a minor. Therefore, someone else, an adult, not you, needs to be the person who buys the car, at least officially.
Option 2 is to go to a different court (not the one that handles civil suits) and get a ruling that you are an "emancipated minor", meaning that you are to be treated as a legal adult in financial matters who can control bank accounts, life insurance money, get car insurance, etc. (although you still cannot vote or buy alcohol).