Fisher, I empathize with you completely.. First, get an Instructor's manual and study it....don't let someone get you into problems you do not need...second, don't believe your instructor's insurance covers you...I sent you the FAQ to that one already...they will tell you anything to get you to work...Finally, don't get discouraged, you're still learning...don't let anyone get you into trouble on their word..You are correct, PADI does not require DM's to have insurance to remain current, but, you are not covered on the instructor's insurance...spend the $300 and get your own, then, you can work with me anytime.