i dont know about texas but in cali ya car wouldnt be covered because he is an unlisenced driver and him being a minor your responsible for if he fucked any thing up you would be responsible for that too that and sometimes they confincate cars for not having a licence or insurance
...
when i was a kid i had a bmw from a wreaking yard cost 300$ and about another 700 in hoses belts radio and tune up was never registered untill i had a licence insured either thought being if i fucked up hopefully i could get my parrents off the hook by making my self out to be a delinquent in court witch should be easy driving an unregistered uninsured car that was never properly transfered muhahahaha