Help - 16 Y/o Son in Accident

OK, so I know coverage inside and out, and I have been on the body shop side of claims. But I am coming to you as a parent here:

Junior (not really, I just call him that) was involved in what HE claims was a minor accident today. It was raining. He and another car collided in a tight turn. My son's left front to the other car's left rear. No cops were called, but Junior willingly handed over his insurance info without getting any from the other party.

I found out when my insurance carrier's claims dept called me asking about an accident today :err:

Of course, kiddo claims damage to th
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