Can your parent pay for your vehicles car insurance, and it be cheaper for them, instead of higher for me?

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Our boy (17) had permission to travel his dadis automobile for the retailer when he was residing at his household. My boy is within an incident as well as the vehicle is totaled. I currently find his dad does not have insurance about the vehicle out. Am I in charge of replacing the car? Does his dad have any obligation in any way? I've full-coverage on my cars. Will my insurance kick-in at any point?

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