As long as the claim happened during the duration of your policy, it is covered. You have no obligation to keep insurance until the payout occurs, so even if you've canceled it, your insurance is still responsible for processing the claim. If you have any questions, don't hesitate to ask.
I would reach out to your dad's insurance provider to see if you can be covered. They may be willing to cover the accident since the policy is still active. If you have any questions, feel free to ask.
If your insurance company has deemed your vehicle to be a total loss, you can expect them to pay you the actual cash value of your car minus your deductible. See more about total losses in car insurance here. If you have any questions, feel free to ask.
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.