Shocking insurance claim outcome

Our car was involved in an accident while my 24 year old son was driving. He's had a lisence for six years & the accident was clearly not his fault. The minute we were asked access into our medical records & credit ratings we knew something was wrong. @ one stage I was told if the claim is approved I'll pay an increased excess of up to R5000 'cause my son was driving. The result is that I'm being told Im being assisted; therefore I will pay R11000 and Absa Idirect the balance of R14000. Shocking! I'd like to test the matter in court.