Whether your insurance would cover it depends on the terms of your policy. An insurance policy is a contract, and, like any other contract, is governed by its language. Review the policy to see what it covers.In generally, if you are being sued or are threatened with being sued for a false set of personal injuries, you should retain an attorney to help you. The lawyer can, as appropriate, settle the case for a reasonable amount (remember: even if you think the facts are in your favor, no lawsuit is ever guaranteed as to the outcome; sometimes agreeing to pay a modest amount is better than paying the cost to defend a lawsuit and taking the chance of an adverse verdict) or defend the case. Legally, you would only be liable to the extent it can be proven that you son negligently, or carelessly (judging negligence by the standards of a boy his age) caused the injuries.