If your son is driving your car and has an accident, there are a few things that could happen. If he is at fault for the accident, then your insurance rates may go up and you may have to pay for damages out of pocket. If he is not at fault, then your rates will probably not go up and you should not have to pay anything out of pocket. However, it is always a good idea to check with your insurance company to see what their policy is regarding accidents involving family members.