If your insurance will not cover your son during the 6 months he is driving with a learner's permit what happens if he is involved in a car accident while driving with an adult?

Your auto insurance will cover your son while on a lerners permit. Check with your company as some require that he be listed as a driver and you must pay premium while others do not require that he be listed until he gets his regular license. If you insurance is telling you that there is no coverage while he is on the permit then you need a different insurance company.