Ginger - I agree, a parent's worst nightmare is to have their child hurt.......
Rosie's right - ask to see what is covered. Taking in his family while he's injured, may be covered. I remember when my cousin's house got hit by a skunk and her daughter took them in - instead of them going to a hotel during the cleanup (covered by insurance). The insurance company paid her daughter as if she were a hotel - even sent her a dozen roses to thank her for being so good as to not over-charge!
Prayers for your son and grandsons, and you of course - how stressful! So happy he survived, it might have been worse, but you can look forward to a speedy recovery, poor boy!! (no matter the age, he's still your boy!!)