You will have to contact your AAA insurance agent to find out for certain if they will allow a claim under your collision coverage for your Chrysler that your son had an accident in, but it is highly unlikely that they will accept a claim on it and we do not know of a way in which to convince them to pay to fix your vehicle.

There is a couple of reason why AAA would be able to deny or turn down a claim in this situation. The first is that your son took the vehicle without permission. The permission of the owner of the vehicle is usually one of the prerequisites for an insurance company to pay a claim. If your son had been on the policy, and not excluded, this may not have been an issue.

Since your son was excluded from your policy this means that normally an insurance provider will not pay out on any accident claims if the person that is specifically excluded drives the vehicle. When excluding a driver on a policy typically it is worded to say that you agree that none of your insurance coverages afforded by your policy shall apply while the excluded driver is operating your vehicle.