I have held a private licence with instrument rating for over a decade and often fly my 172 in total IMC.
The answer is yes, I know what part 91.103 is. Recall like mine comes with experience.
You should really follow grumpyoldgeeks advice and have a sit down chat with your Chief Pilot. He or she will be able to walk you through it I´m sure. You might want to consider working on your personal flight discipline so that this sort of knowledge vacuum doesn´t impact negatively on your career.