My 14 yr old stayed at afriends house and the friend gave him the dads car keys and he drove it and wrecked it. Is my son covere

I don't know if the rules are different in Texas but here the insurance follows the car. If the friend has comprehensive coverage then their insurance should pay to fix the car. HOWEVER, since your son was 14 and probably careless in causing the wreck I assume their insurance will likely make a claim to your insurance for the repairs and your insurance will claim that the parents needed to supervise, etc, etc. Ultimately they will work it out and that is what you should let them do. Report it to your carrier; that's why you have insurance.

It depends on the language in insurance policy, and the language of their insurance policy would also be of interest. The friend may be responsible for negligently letting a 14 year old driver. in some situations, parents may be responsible, but I'd defer to TX counsel for answer in your state. Let the insurance companies sort it out. If they don't cover it, you may need to hire a Texas lawyer, especially if someone was hurt.

The insurance policy can certainly be reviewed by a local lawyer who can investigate.

Hopefully, the family of your son's friend had collision insurance on their auto policy and will not attempt to make a claim against your son...which would ultimatley be a claim against you. However, it is possible that the family can bring a claim against you without going through their insurance, or the insurance company itslef may bring a claim against you for the money it spent (called a subrogation action). In any case, if you have a homeowners liability policy, please check the policy and/or your broker to see if you would be covered for an event such as this.

I doubt your son is covered under the insurance on the car because he was not a "permissive user." A permissive user is someone who has permission (of the owner) to drive the vehicle. Clearly he didn't, since he is 14 and his buddy sneaked him the keys. That said, if the vehicle he was driving has comprehensive coverage (often referred to as "full coverage") then the wrecked car should still be covered under the policy. The insurance company would most likely treat it as a theft claim since your son didn't have permission to drive it. If your son damaged someone else's property (another vehicle, a fence, whatever) then that would likely not be covered by the policy on the car. I doubt your son would be covered under your policy because he is under age, but I'm not 100% committed to that opinion, Whatever happens, it would probably do your boy some good to have to work off the debt so he learns a lesson. I'm sure you've got that covered.