Father insuring the son's car

A young man gets a car from his father. The car is registered on the father's name though. The father takes out insurance on the car against the young man's wishes. The young man meets in an accident costing 50 000 for the panel beaters. Now he has to claim from insurance since that's what the father had been paying for etc. Later, the cars window gets broken, the young man wants to pay for it with his own money to avoid getting involved in haram insurance, the father gets it repaired with insurance. Through this the young man had to become involved in the transaction because he had to take the car in, get quotes etc, because it's his car, would his involvement in this respect be sinful? What should he have done otherwise