If you have a car accident with a borrowed car, whose insurance are you covered by?

Okay, my dad just totaled my grandma's 1999 Ford Taurus wagon.
He was trying to turn and we hit a Nissan Frontier. The Nissan was fine, but the Ford is totaled, and my dad has never been in accident like this ever before. Does this go under my dad's insurance or my grandma's? She did give him the permission to drive it.

Okay, my dad just totaled my grandma's 1999 Ford Taurus wagon.
He was trying to turn and we hit a Nissan Frontier. The Nissan was fine, but the Ford is totaled, and my dad has never been in accident like this ever before. Does this go under my dad's insurance or my grandma's? She did give him the permission to drive it. In this case, it doesn't matter. It should not be put under anyone's insurance. A car from 1999 is worth so little that an insurance company won't be allowed to pay nearly as much as it will be required to raise the price of insurance. Putting the damage under insurance will cost more in the long run than you will get for it. Call your grandmother's insurance. It's the owner's insurance that covers an accident.

He will, however, find that his own insurance will get more expensive because he is now considered a higher risk driver, and any "safe driver" discount he used to get will be gone. Contrary to popular belief, in case of an accident, car insurance follows the car - not the driver. Grandma's insurance will cover the accident. Most States the liability for the car is in the hands of the owner of the car, the owner is liable for allowing your dad to use the car. Good question. And the other answer of… It does not matter is incorrect. It matters.
Car insurance is attached to a car. Is your dad at fault? If so then grandma's insurance will have to pay for the other person's car repairs.
If the policy has comp & collision, then grandma will get check for the value of the car minus the deductible.
Grandma or dad need to call her insurance company and file a claim. Your grammy's insurance covers HER car, although she won't get much for a 1999 vehicle. If your dad got a ticket from the police, HIS insurance may up on HIS car. Cars are insured, not people. The insurance on the car you drive would be liable.

When you borrow a car, you also borrow the car's insurance.

You need to get an insurance 101 lesson from an insurance agent before you find yourself in deep doo doo.

Geez…
So many people have no clue as to how insurance works. Insurance 101 should be taught right along with drivers education. The liability coverage should extend from Grandma's policy but it is doubtful that she would have collision coverage because the car is so old. If she does her policy would cover it but if she doesn't and your Dad's policy has collision it will extend to her car as a non owned vehicle.

Call your grandmother's insurance. It's the owner's insurance that covers an accident.

He will, however, find that his own insurance will get more expensive because he is now considered a higher risk driver, and any "safe driver" discount he used to get will be gone.

Contrary to popular belief, in case of an accident, car insurance follows the car - not the driver. Grandma's insurance will cover the accident.

Most States the liability for the car is in the hands of the owner of the car, the owner is liable for allowing your dad to use the car.

And the other answer of… It does not matter is incorrect. It matters.
Car insurance is attached to a car. Is your dad at fault? If so then grandma's insurance will have to pay for the other person's car repairs.
If the policy has comp & collision, then grandma will get check for the value of the car minus the deductible.
Grandma or dad need to call her insurance company and file a claim.

Your grammy's insurance covers HER car, although she won't get much for a 1999 vehicle. If your dad got a ticket from the police, HIS insurance may up on HIS car.

Cars are insured, not people. The insurance on the car you drive would be liable.

When you borrow a car, you also borrow the car's insurance.

You need to get an insurance 101 lesson from an insurance agent before you find yourself in deep doo doo.

Geez…
So many people have no clue as to how insurance works. Insurance 101 should be taught right along with drivers education.

The liability coverage should extend from Grandma's policy but it is doubtful that she would have collision coverage because the car is so old. If she does her policy would cover it but if she doesn't and your Dad's policy has collision it will extend to her car as a non owned vehicle.