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?

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