The good thing is your homeowner’s policy usually covers you and your family’s negligent behavior no matter where it happens. For example, if your son accidentally hits a baseball through your neighbor’s window and you have liability insurance, it is probably covered. If your toddler son darts in front of an elderly woman walking in the mall and causes her to fall, your policy should take care of her injuries too.
HOI一般不覆盖受保人的故意伤害（比如故意打人甚至犯罪）。 所以，如果你走保险一条路，你必须阐述这个事件是意外而不是故意。
如果对方没有HOI，你的任务是研究你们州关于父母对于小孩的赔偿法律。Google, parental responsibility law 50 states。有的州只是规定父母为小孩开车意外事故负责，而不是对小孩所有意外负责。
