My 16yo son was allowed to operate a dirt bike without our knowledge or approval. He lost control and hit a tree resulting in a compound fracture of his left femur and a broken kneecap. I was informed by the parents homeowner insurance that they had to investigate to determine what percentage of liability is their clients and to what extent my son was at fault. I think that by exposing a minor to the danger without my consent makes them at fault 100%. Am I wrong? I should point out that my son has never driven a dirtbike before the day of the accident. Thank god he is alive but he is in awful pain.