Liability Claim

A daughter of a rancher had a friend come out to stay with their family. Keep in mind negligence is the only way your liability can be triggered into possibly paying out. The girls got into a wreck and the friends leg was broken requiring many surgeries.

So how does this mean the insured was at fault?
These girls were under the age of 16 and every off road vehicle basically has a sticker that says No one under the Age of 15 may operate this vehicle.