A car with liability insurance only is borrowed and in an accident Car is totaled Whose insurance will cover?

When a car is borrowed (with permission) the insurance of the car owner is primary and the insurance of the driver is secondary.

Here, the car owner has no coverage to pay for the damage to his/her own car, so the driver's liability insurance would cover the cost of the car. That is assuming the driver has liability insurance, if the driver doesn't have liability insurance, the car owner is stuck (unless he sues the driver).