[RACER X]

so lets break this down.

your young w/ very little car traffic experience, let alone bike experience......
you have really no motorcycle exp. riding your friend bike really doesn't amount to a hill of beans......
odds are against you, and the ins. co.s know it, so your going to commit ins. fruad, since your the primary rider........
your picking a bad choice for first bike........

sounds like a great plan.