If you do not wish to drive, you can explore the option of being an excluded driver on your father's policy. That would mean that if you drove the car you would effectively be an uninsured driver, and the insurance company wouldn't pay for the damages. This is something you should only do if, in fact, you won't be driving. If you were to do this, you would probably want to consider selling your own car, pending such time as you again obtain insurance coverage.