Reply to Insurance/who pays for mild fire damaged car?

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[quote=Anonymous]Our neighbor left ashes from a grill in a container alongside their fence. The ashes later reignited and set the fence on fire. One of our cars was on the other side of the fence, a few feet away, unfortunately. However, it was not on our property but on a public street as there is a narrow street between our houses. While the fence damage was limited to one section of the fence with total destruction, it did result in paint blisters on one 18 inch wide spot at the rear of our car, all within one body part, along with a semi-melted rear light cover. The paint blisters are not that noticeable due to the dark color, but they're there. The car is driving just fine. Neighbors are apologetic and we've exchanged numbers. Tomorrow I will take the car to the garage to be checked out and get an estimation for repairs.

Before I go down this rabbit hole, is it reasonable to assume no matter what the neighbor is at fault and pays, whether via his insurance or not? The car is a 2017 Outback so I'm not wildly upset, chalking it up to the annoyances of life but I'd like to know they're definitely paying for repairs  :D

And speaking of repairs, for something like I described, would it entail a body part replacement or is it better to get some kind of repainting job? [/quote]

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