If car is registered in my name and insurance is in my grandfather name and car is totaled, will insurance cover?

If the car is registered in your name and the insurance policy is in your grandfather's name, the insurance company may still cover the damages in the event of an accident or total loss. However, it depends on the specific terms and conditions of the insurance policy. The insurance company will typically investigate the circumstances surrounding the accident to determine who was driving the car at the time and whether the driver was authorized to use the car. If the driver was authorized, and the accident was covered under the policy, the insurance company should cover the cost of damages up to the policy limit. It's worth noting that having the car registered in your name but the insurance policy in someone else's name could lead to complications in the claims process, as it may require additional documentation or proof of ownership. It's always a good idea to ensure that the name on the insurance policy matches the name on the vehicle registration to avoid any potential issues.