If it's not totaled, I would sell the car as quickly as you can. Run a carfax and see if the report shows up the day you get it back, if not, take it to Carmax and sell it, or go trade it in for something else.
The electrical issues will haunt the car for years to come. Happened to my dad who bought a used Lexus a year after Katrina. All sorts of electrical problems every few months till he dumped the car for a loss. And you are right to question Allstate, if the future damage can't be proven to come from the water damage it will be tough to make them cover it.
And get your stepson a scooter. You can get them used for very cheap and save some of the check from Allstate or from selling your car. That way you don't have to drive his butt around anywhere, he can't go over 40 mph (if you get him a small engined one) and will have to face the ridicule of his friends until he can afford his own car.
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