A policy insurance clearly states in the proviso that 'the person driving was permitted in accordance with the licensing or other laws and regulations to drive the vehicle or had been so permitted, and was not disqualified by any order of court of law or by any reasons of any from driving the vehicle'. In the circumstances, in which a son had involved in an accident while driving his father's car, the father later wants to claim for the insurance policy for the damage of the car. Unfortunately it was denied by the insurance company on the reason that the car was driven by other than the authorized driver and the license was expired at the time of accident. However, the son and the father were named as the authorized drivers in the policy.

Based on the scenario, how to deal with the matter?