My grandson went to the store for me at my request & used my car. I had a 2007 Toyota camry LE that was a cream puff....no dents, etc., perfect shape inside & outside and only had 67,500 miles on it. Never had any problem with it whatsoever. Well, as I am 82 I thought this would last my lifetime, but a couple of days ago grandson rear-ended a big SUV and he received a broken nose, but thankfully the people in the other car, including a baby in a car seat were uninjured. My car was totaled. My insurance (Travelers) will pay for my car and repair to the other vehicle and grandson's PIP will pay for the cat scan and xrays of his nose. Grandson charged with careless driving and fined $166. Question for any of you involved in the auto insurance industry, how bad will this affect my insurance rate (I have a clean record & listed as safe driver & have accident forgiveness) and also grandson's insurance (State Farm)...he has one speeding ticket in last 3 years with 3 points on the record & had a minor fender-bender about 7 years ago. BTW, he is 30 & single. Also, any words of wisdom regarding this issue? Thanks & I appreciate any advise, etc.