Originally Posted by Planecrazy
I understand you live in Canada, but I think the law is similar to here in the USA. You could go through your insurance carrier who only has to pay you the lesser of the damage or the market value of your car. If you take the home owner and/or contractor to court, your recovery will be limited to the lesser of the damage or the market value of your car. I suggest you go through your insurance carrier as a comprehensive loss and you will get paid what you are lawfully allowed to get without all the court hassle. The insurance company, if they feel it is financially in their interest, will sue the homeowner and contractor to recover what they paid you.
As to your neighbor, if they have comprehensive home insurance, the neighbor could give you the information on the insurance company and the policy number and you could file a claim through them. Again, your recovery would be limited to the lesser of the damage or the market value of the car.
Exactly, OP should go with insurance.