ANSWERS: 2
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Your dads insurance will carry the burden of the accident. Insurance companies will tell you as a young person your insurance will be higher because of your age. But if you are driving someone elses vehicle they will tell you they insure the car not the person driving. it is a Catch 22. Mr Bill
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If your father has insurance on the car and you have his permission to drive it his insurance will cover it. You can't transfer your ins to his car though, if he has no ins or you took the car wo permission YOU will be liable for the damage
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