The facts as of moment of the collision are most important. If he comes to live with you now or a year from now should not have an affect on the investigation. Are you worried that the insurance company will deny coverage? Was he a permissive user of your car the day of the collision? There are a lot of questions. I'd recommend you speak with an attorney about this. Especially, if your son was not at fault in the collision and the insurance is questioning whether coverage would apply.
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With regard to the accident the insurance company is primarily concerned with your living situation on the date of loss. They will also ask about the living arrangements when you took the policy out and deny coverage if you made a material misrepresentation on the application.
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The insurance company is probably looking for a way to deny coverage. If your son was not living with you and he did not use your car regularly you should be ok. You can add your son and anyone else by calling your agent. The investigation is probably only focused on the date of the crash and the application for insurance that was in full force and effect on the date of the accident. Good luck.
This information does not constitute am attorney / client relationship and is just a general answer to the question posed with the limited facts available. There is no substitute to a consultation with an attorney licensed in your State.
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