What you got here man is a "pickle", a real pickle.
I'm a chit happens type of guy. Get real fired up at first, then cool down and think straighter.
If my kid did the tipping I'd be cutting you a check, for at least what your insurance didn't cover...if it was just my neighbor, I don't think I'd have an issues asking for some coin to cover repairs, but, and it's a big but they are your daycare providers, and sounds like friends, and that my friend is where your pickle comes in.
Sorry your in it man, really.
