What? No I think you misread. I have proper insurance. This is MY CAR. The other driver does not. I have all the insurance my state requires, with Geico. The person that hit me was the son of the policy holder on the vehicle that hit me, and they are denying coverage based on the fact that the son was not covered on the insurance. I am a lawful citizen and would never drive with a "loophole" thank you very much.
Here is my understanding of the insurance policy, please double-check local insurance agents or legal exports and don't blame on me if I were wrong.
If the boy(son) has a valid driver license, then the insurance company of the policy holder will pay for the damage no matter whether or not the boy is covered or not. That's why people always say don't let others drive your car!
The insurance company will deny the coverage if the boy has no driver license.
If the policy holder denies to pay for the damage his son caused, then you can sue them in the small court and you only lose ~$150 if the court is in favor of the boy. Before going to the court, you must collect police report, photos, body shopper damage estimate, and etc to support your claims and you will get much chance to win.
But, but, if the guy has no money for the damage, then you are out of luck. It happens on me too so I know a little and hopefully it helps you. One owner of body shop told me "The law only protects bad guys!"