How should we handle our minor son's auto accident?

Question Details: Our 16-year-old son, who has a learner's permit, took my car without permission and got into an accident which totaled my car. He was cited for driving without a license, speeding, and not staying in his lane. It is beginning to look like our auto insurance may not cover the damage to the vehicle or property where he damaged a fence. Do we have any recourse if the insurance company denies coverage? He took the keys from my purse in our dining room. Also, if we go to court for the citations which the trooper recommended, could they punish him further?

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you go to AttorneyPages.com and retain an attorney to represent you.