Criminal Law Questions? Ask a Criminal Lawyer.
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can I be held liable for damages that my insurance doesn't pay?
Potentially. As the owner of the vehicle, you could be secondarily liable if the insurance doesn't pay for any damages or injuries and they sue son, and you as the owner, for anything over policy limits of your insurance. They could sue you for "negligent entrustment" for letting son drive your car. Now you may not be found liable, and the insurer has to provide an attorney to defend you, but they can try to sue you.
But typically, insurance companies are pretty good at defending customers and unless there were severe personal injuries, most accident damages don't go over policy limits.
Did you have any further questions I can help with?