If your son was playing with the neighbors and put a scratch on their car parked in their driveway will your homeowners cover the accident?

Your insurance coverage is basically a contract. You can't ask someone to interpret a contract unless they have read it, so it is impossible to answer you question. The insurance carrier should cover any claims that are covered under the policy. Most likely, but it would be subject to the deductible and you may have to be found legally liable for the coverage to be activated.