If I am reading your question correctly, you would like to know if the person that was driving the car at the time of the collision is an “insured” pursuant to the insurance contract. It would depend on the car’s insurance policy, but if the uninsured driver had permissive use of the car and the vehicle is insured then coverage should apply. In regards to Liability Coverage, insurance contracts generally state that “If you pay the premium for liability coverage, we will pay damages for...
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I'm very sorry for your loss. As a previous contributor mentioned, there may be other potential insurance policies in play besides your own. If one of both of the victims had a UM/UIM provision on their auto policy, their estates may be able to seek damages from their insurer up to the amount of the policy limits.
If you have collision coverage, your auto insurance should pay to repair the damage minus any deductible.
I hope your son is doing okay. If your son is injured and the vehicle he was driving has Uninsured/Underinsured Motorist (UIM) coverage, he should file a UIM claim on the policy. There would be no deductible involved for a UIM bodily injury claim.