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The insurance company will pay for these damages to your car. They will also pay for damages to another vehicle if he hit one unless the parent files theft charges against the son. As most parents will not file charges against their own child the insurer usually winds up paying for all damages. Although the parent may not have given permission for the child to drive, the law usually takes into consideration that 1. the child has access to the vehicle by virtue of residency in the parents home and 2. standard family law makes a parent liable for acts of a minor child anyway.

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Q: What happens when Son steals fathers car and wrecks it?
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