Great I just typed a whole reply and it got erased. Anyways. Would your son consider counseling for you two? It sounds like he's filled with resentment and a lot of anger. I had a issue with my half sister pushing me away and I tried everything only to come to the conclusion that you can only do so much. You've tried and made an effort it's time for him to come around. As far as the insurance goes, It would depend on how much i'd have to pay out of pocket. I once hit a parked car and the guy tried to seriously exaggerate the damage and I refused to answer calls from his company so my company never paid out.