Unauthorized Person Made a Claim on my Policy

I have a young adult son. I have a car titled in my name only that he is the primary driver of. I have an auto insurance policy in my name that he is included on as an additional driver.

On Friday, my son was involved in a minor accident. There were no other people or property involved except for his car. Prior to making a claim, I wanted to get an estimate to determine how extensive the damage was and if it could be paid out of pocket or if we would need to make a claim. I asked my son to take the car to a body shop to get an estimate of the damages.

This weekend he was visiting hi
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