UNAUTHORIZED USE OF VEHICLE
Question Details: SON TOOK MY CAR AND WRECKED IT HE WAS INTOXICATED. INSURANCE MAY NOT PAY IF I DON'T PRESS CHARGES.WILL THIS BE A FELONY CHARGE
You have my sympathy for being a rough place, but it insurance policies will often have disclaimers of liability for when the insured (or someone acting with their permission) does something reckless or negligent causing the loss. However, CHECK YOUR POLICY--the policy binds the insurer, and if there's no exclusion for DUI, they'll need to pay.
For the balance of this answer, let's assume there is an exclusion:
It is not unreasonable for the insurance company to take the point of view that if your son had your permission, they can not pay under the exclusion; therefore, you'd have to paint your son as having stolen your car (taken it without permission). If you do this, there's a good chance that the count could be bargained or pled down, but that is NOT a given. A felony conviction would be a major handicap on your son for the rest of his life, affecting some of his basic rights and employability. You know your economic situation and relationship with your son, but know that a felony conviction could haunt him the rest of his life.