Car owned by someone else, under my insurance policy, car totaled, my insurance paying my for the car.

It is possible for someone else's car to be covered under your insurance policy, as long as you have added that car as a covered vehicle on your policy. When you add another person's car to your policy, you become responsible for that car's insurance coverage, and any claims made on that car will be processed through your insurance company. If the car that was covered under your insurance policy is involved in an accident and is deemed a total loss, your insurance company will pay out the actual cash value of the car at the time of the accident, minus any applicable deductible. Actual cash value is determined by the market value of the car at the time of the accident, taking into account factors such as the car's age, condition, and mileage. It's important to note that the payout from your insurance company will go directly to you, the policyholder, and not to the owner of the car. It is up to you to decide how to use the insurance payout, whether to repair or replace the car, or to use the funds for something else entirely. Additionally, when you file a claim for a totaled car that belongs to someone else, it's important to have all the necessary documentation to prove ownership of the car, such as the car's title, registration, and any loan documents if applicable. Your insurance company may also require permission from the car owner to process the claim, so it's best to have their consent before proceeding with any insurance claim. In summary, if you have added someone else's car to your insurance policy and that car is totaled in an accident, your insurance company will pay out the actual cash value of the car to you as the policyholder, minus any applicable deductible. It's important to have all necessary documentation and permission from the car owner to process the claim.