We assume you are talking about the car video on YouTube. A young 7 year old boy named Latarian took a car on a joyride.

He took the Dodge Durango up several busy streets because he was mad at mom. It was both funny and sad to see him excited about a friend coming and he smoked through his cigarettes. He started the car and put it into gear, he yanked and yanked on the thing (gear shift). He ran over 2 mailboxes, hit 2 parked cars in a Costco parking lot, and struck 2 moving cars near Wal-Mart.

He said it is fun, fun to bad things and do hoodrat stuff with his friends. Now grandma (or grandma's car insurance company) is going to have to pay to have the cars and property fixed.

If the grandmother had the state required insurance in Florida, then her Property Damage Liability would pay for property damage up to $10,000. The rest would be the responsibility of the car owner (the grandmother). This is a great example of why the Minimum State Required in Florida is not sufficient. Florida requires very low limits for auto insurance. It is better to purchase liability limits higher than $10,000 since it is likely that any damage caused in an accident will exceed $10,000 with current car prices. Her Personal Injury Protection (PIP) would pay for any medical claims that Latarian or his passengers had. Bodily Injury Liability is also recommended but not required in Florida. If Latarian had hurt or killed someone, the BI would have paid. If there was no BI on the policy, the grandmother and mother would be responsible for those damages, and likely be required to carry an SR-22.

If she had physical damage coverage (Comprehensive and Collision) then that would pay for the damage to the Dodge Durango.