What can I do if my car was damaged by a gate and both the HOA and insurance company refuse to pay?

Question Details:

My car was damaged by the automatic gate in my gated community. The HOA and insurance company refused to pay claiming that they "did not know the gate was defective and they fixed it after my car was damaged". If I sue, is there strict liability here or do I have to prove negligence. They claimed the gate video camera was not working.

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