Glad to see this discussion got heated. I've called the police department. They were pretty frank, refused to dismiss, but also did not coerce me to give up the driver's identity. Seems like they had been through this before.
We shall see if they go digging for details in driver's records or not.
Now to address a few points made by goddess of flubber:
He is 22 years old. I don't know how it works in your family, but the "mommy to son" lessons are pretty much over at this point. Let's be pragmatic.
1. $435. If I can help my son avoid that financial hardship, I will. That's about 2/3 of the monthly rent he pays. I think the initial shock of that price tag was a sufficient lesson.
2. My son is enrolled at school in California. The insurance company was notified that the car was being used by him, at school, in California, two and a half years ago. The question is how they will treat points on his license, or mine, for a California traffic infraction. The premium will likely change when he graduates in May (insert crushing moral dilemma here... not).
Keep your attempted parenting lessons to yourself and your keyboard quiet, unless you have some relevant legal advice to offer.
Thanks to all others for your suggestions so far, and I'll update when the TBD decision arrives.
The saying goes that our parents are our teachers.
What has OP's son learned so far?
Insure your car where it is cheaper to do so, regardless of where it really is driven.
You don't have to pay for your mistakes, there is always a way to avoid that.
Unless of course next time the lights been red a little longer and there's oncoming crosstraffic.
Then OP is shocked when kiddo behaves deceptively and hides things from her.
No, not any kind of legal opinion. Just an opinion.