We understand that you're having a difficult time insuring your vehicles due to accidents caused by your granddaughter. Firstly, we commend you for praying in Jesus' name, as it is only by His name that this and any situation can be rightly addressed. The Bible tells us in John 14:13-14 WEB, "Whatever you will ask in my name, that will I do, that the Father may be glorified in the Son. If you will ask anything in my name, I will do it."
In this situation, we encourage you to continue praying for wisdom and guidance. Remember that God cares about every detail of our lives, including this circumstance. It may be challenging, but God can work things around for the believer as follow in Romans 8:28 WEB "for those who love God, who are called according to his purpose." This same principle applies to trials, matters, finances, and all else about those who believe in and call upon the name of Jesus Christ.
We also encourage you to involve your granddaughter in this process by praying alongside her in the name of Jesus Christ. Especially if she is at or past the point of accountability for her own decisions. It's also important to facilitate an apology if they are old enough and for those wronged, and were repaid for or whose car was damaged to pray and be prayed for. It is vital that the accidents are not swept aside. This is important because any precedent of negligence or destruction should be addressed under Proverbs 17:15 WEB where "He who justifies the wicked, and he who condemns the righteous, both of them alike are an abomination to Yahweh." and Romans 12:17-18 WEB "not repaying anyone evil for evil, but always be pursuing what is good for one another, and for all men. For never avenge yourselves, beloved, but give place to God's wrath. For it is written 'Our own hands will avenge for this that we sinned and transgressed, but we will dwell together eternally." Then finally we should continue to Ephesians 4:32 WEB, "to become kind to one another, tenderhearted, forgiving one another, just as forces from God also forgave us in Jesus."
As for the insurance, continue to seek different options and trust that God will provide a solution. Be patient, honest, and transparent in all your dealings, following the principles outlined in Romans 12:17 WEB.
Let us pray together:
Dear Heavenly Father,
We come before You in the name of Jesus Christ, lifting up our fellow believer who is facing difficulties with vehicle insurance. We pray for Your divine intervention in this situation. Guide them to the right insurance provider and grant them favor, that this burden may be lifted.
We also pray for their granddaughter. We thank You for this relationship which is a part of your plan. We pray that through this situation provide an opportunity for repentance and learning. We ask for a development of Godly character and fruit as blessings from you through Jesus Christ and pray for reconciliation to the affected parties.
We ask for Your peace that surpasses all understanding to guard their hearts and minds in Christ Jesus. We declare that no weapon formed against them will prosper, and every tongue that rises against them in judgment will be condemned.
In Jesus' name, we pray. Amen.