Car insurance in America?

Is there a method to get pricey car  insurance  for a 19 year old boy in the UK around?
Our son (17) had authorization to travel his uncle's auto to the retailer when he was staying at his residence. My kid is within an accident along with the car is totaled. I now find his uncle doesn't have  insurance  on the automobile out. Am I responsible for replacing the car? Does his dad have any responsibility in any way? I have full-coverage on my cars. Can my insurance activate at any level?
I dont want to enter my personal information all. it doesnt need to be just I simply need like a basic calculator. I dont mind just like the collision data or my car data but