Car insurance in America?

Is there ways to circumvent pricey car insurance for a 19 year old kid in the UK?
My child (17) had permission to drive his dad's automobile towards the shop when he was staying at his residence. Our son is in a incident as well as the vehicle is totaled. I currently find his dad doesn't have insurance to the automobile out. Am I accountable for changing the vehicle? Does his dad have any liability at-all? I've full coverage on my cars. Can my  insurance   start working at any place?
I dont wish to enter all of my own data. it doesnt need to be specifically I simply need just like a basic calculator. I dont mind like my vehicle information or the collision information although