Montag, if he's not your son, then who's son is he? And how is he related to you? When you fail to mention details related to the case, all you do is confuse everyone. I said in my initial response that you failed to mention facts that would be important to an insurance agent.
And you should know, an an insurance agent, that just because something is not in the "exceptions" part of the policy does not mean it automatically must be covered. From the info you've told me, it sounds like Geico is insuring exactly what they've agreed to insure. It would be stupid of them (and dishonest business) to go beyond the scope of the contract.