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ANSWER: Since the accident happened in MT, then MT law should govern. But, unless they can show that you were somehow negligent and your negligence was the cause of the accident, the victim should not have a viable claim against you. For example, if they can show that you knew that you son repeatedly takes off with the car and that he is a reckless driver, but yet, you continued to leave your keys in plain sight so that your son has easy access to them, then you could be liable under a theory of negligent entrustment.