Oy! It must be so upsetting! And during the nine days to boot!
Before I can correctly advise you, there are some factors that must be taken into consideration…
-How did your child get hurt
-What’s your relationship with this neighbor
-Are you sure their homeowners insurance does indeed cover it
-You are looking at the scar at its worst. Are you certain that scar cream or ointment won’t make the scar fade significantly