Jose wrote:

would the aircraft damage be covered by my insurance company. His
answer was absolutely yes.

... but would they then go after your son?

It seems that this newsgroup is filled with rumors of subrogation, yet no
one in the four years I have been here has anyone ever provided a first- or
secondhand account of this actually happening. It is always, "a cousin of
a friend of my brother's was once sued by the insurance company for damage
to an aircraft that happened when he was a pilot." An aviation urban
legend, as it were.

With that in mind and having secondhand knowledge of individuals who
damaged aircraft but were never sued, I would answer no to your question.

Furthermore, the reason I posted my insurance broker's answer was in
response to selwaykid's claim that the insurance company would not cover
the damages in this specific accident.

--
Peter