State laws as well as insurance company guidelines differ so to find out what will happen regarding this current incident you will need to contact your insurance companies. Your GAP insurance provider may not need to be included unless the truck is found to be a total loss and your collision coverage is paying out for the actual cash value of it.

If your policy has exclusions for unlicensed drivers or if your son did not have permission to use the vehicle then it is doubtful that the car crash would be covered by your insurance policy. Since your son is without a license I am assuming that he was not listed on the insurance policy and thus this could be another issue of concern with your insurance provider.

Your insurance agent and or claims adjuster should be able to tell you if your vehicle will be covered by your physical damages policy or not and the reasons why.