No, neither you nor your son would be covered for the accident he caused if it was after the cancellation of your auto insurance policy. Once the policy canceled, due to non-payment, non-renewal or other reasons, there would be no coverages extended to you.

If your son was cited for driving without insurance he will have to face the penalties the court places on him. The penalties differ depending upon state laws but can include things such as a license suspension, registration suspension for the vehicle, and fines.

As for the damages he may have caused to other's property, likely he as the driver and you as the car owner will be held responsible for personally paying for any repairs. Your state's insurance regulator may be able to give you more information on your liability as an uninsured car owner whose minor was in an at fault car accident.

To see if we can help you now obtain auto insurance so that the vehicle is no longer uninsured follow this link for a car insurance quote.