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Damage to the car is probably on you, although check your home&contents policy as I think some can cover this kind of thing ... possibly. Your son's bike is unlikely to be covered by anything.
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"People are worthy of respect, ideas are not." Peter Ellerton, UQ
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Edit: looks like you can actually get cover for items like these but they would need to notify the insurance company of them and their value. They would need to be low value, new value of carbon wheels and a power meter would be worth over $1500 in most cases without taking into account the value of the rest of the bike. So probably only useful for stuff like bike computer and lights.
Not covered while racing, or travelling/riding overseas.
They only pay up to 75% of your income and only for a year if you are off work for a long time with a serious injury. Only pay up to $10K (after Medicare) of your injury costs (hospital stay is ~$1k/day, more if you have surgery) - I had a fractured femur (from work accident, not cycling) and hospital costs were over $30K plus physio (AT) ~$100 visit (twice weekly for 3 months).
The Comprehensive cover is a lot more errr... comprehensive (surprise! ) and covers up to $30K for the replacement cost of the bike (and new-for-old replacement if bike under 2yo) and covers you for racing/riding including overseas. Also covers you for custom parts and accessories.
The Essential cover is only $80 per annum (with option to pay monthly installments an no extra cost) whereas the Comprehensive is a lot more expensive, not sure how much as it depends on the value of cover.
Under 18 yo riders not covered either so no good for OP.
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