This is a matter where your son hopefully has what is called UM or uninsured motorist coverage. It is optional coverage in Georgia, meaning you do not have to have it and can opt out of the coverage to lower your insurance premiums. If your soon has this coverage it would provide coverage up to his limits. Also, if your son lives with you and you have uninsured motorist coverage your son may have additional coverage to help cover his damages.
Regardless, you should pick up the phone and contact a Georgia personal injury attorney as there are deadlines to reporting the crash to the insurance company (especially UM coverage), you do not want to mess around. The initial consultation is free.
Ty Wilson is a personal injury attorney in Georgia and is dedicated to helping injured people and their families. Call his office today at 866-937-5454 to order his free book, 10 Secrets of Georgia Car Wreck Claims. This book is intended to give you and/or your loved one a solid foundation regarding Georgia car wreck claims, how to hire an attorney, and how to deal with the insurance company prior to speaking with an attorney.