Am I covered if an uninsured person who does not have a learners permit is driving my son's car and has an accident?

No, you are not covered and neither is the unscheduled, unlicensed driver. Unfortunately though, since your insurer is also financially liable for certain of your negligent acts, such as, allowing an unscheduled and unlicensed driver to operate your insured vehicle. They may have to pay for the damages resulting from your negligent acts. This should not be confused with the fanciful idea that the unlisted and unlicensed driver was ever covered by your policy. If they have to pay the claim, your Insurer may justifiably decide to cancel your policy due to negligence.