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Thank you for your question. Please permit me to assist you with your concerns.
What would happen as far as what exactly, are you asking who is liable and for what? Did the grandchild have permission to use the vehicle? Was the grandchild found to be at fault for the accident?
I will try to break this down each way for you.
Under Florida law the OWNER of the vehicle is always responsible for damages. That means that even if the grandchild was driving, the victim of the accident can file suit both against the operator of the vehicle and the owner for damages, and likewise can sue the owner of the vehicle in this instance. This does not apply if the car was taken without permission, as that would be theft, but then the grandparents would have to formally press charges criminally against their grandchild.
Now, as far as whose fault is it, that is generally up to the courts. Before that happens the insurance companies tend to get together and try to assign fault. If she is not at fault, she can contact the other person's insurance and file a claim. Likewise that person or persons can do the same against the owner of the vehicle. If the insurers cannot figure out who is at fault and the parties refuse to settle, it can then go to court where the judge can assign percentages of liability or state who was at fault.