Auto Insurance Claims: what kind of auto claim would this be?, auto claim, garage wall


Question
My 14 year old son, who has not started drivers' education and without permission decided to try to move my stick shift vehicle in the garage.  He smashed into a snowblower, damaging the front bumper of my car as well as the snowblower and damaging the drywall in the garage.  If I call the insurance company what should I expect?  Is this an at fault collision claim or does it fall into other than collision category?

Answer
Normally, the snowblower and the garage wall would be covered under your homeowners insurance, less the applicable deductible.  Then the car would be covered under your auto with another deductible.  However, with the auto, only listed drivers or people with permission to drive the vehicle would be generally eligible for coverage so as he had no permission, the auto could be denied.  
Good luck!