Just got off the phone with an insurance company regarding the fence malfunction. Turns out, the car was insured on a bond policy, as I feared, which means the coverage won't transfer to the driver. Still waiting to hear back from Geico on the driver's insurance, but if that turns out to be a bust, it'll have to be handled under some uninsured motorist situation. Not sure how that works with both the fence and the car being damaged. Sheesh.