[MRM]

You will get a tremendous amount of advice, some of it good, much of it bad, asking about insurance claims here. The short answer and the right answer is that he should consult with a personal injury lawyer in your state and make an insurance claim. The driver who cut him off but didn't stop is called a phantom driver. The fault caused by the phantom driver is covered by your son's uninsured motorist coverage and does not get charged against him. There a an infinite number of permutations to how to handle the property damage, possible injury claims, medical bills, time off work, etc., that only an experienced personal injury lawyer can help you navigate intelligently.