The law is very simple. The person driving the car has been negligent and it is their responsibility to pay for the repairs. If the car has comprehensive or third party property that includes the person as driver then their insurer will pay, otherwise they should pay. Now if they can’t pay then either the strata insurer or the strata can pay, and they will then attempt to recover the money. Discuss this with the strata insurer. Don’t even think of giving false information to the insurer. I would also be careful of using the [strata] insurance at all for minor damage [to common property]. The insurance company will probably just push up the premiums to cover what they paid out.