To my eye/mind there is a disconnect between the pictured paint damage
and the installation of mud/spray guards. I don't see where wet or dry
anything is applicable.
Mud/spray guards mount at the after end of a wheel well opening. Their
intended purpose -- not always realized in the real world -- is to prevent
spray and sand/gravel from being thrown up by the wheel, here the front
wheel, against the rocker panel, the long piece under the doors, and possibly
a flare in the rear body panel at the rear wheel well.
The damage, hopefully only to the paint, is forward of the wheel.
It can not have come from an absence of mud/spray guards.
I see two possibilities:
* a hit/scrape in a parking lot, etc.
* a major paint system malfunction
In either case, this kind of damage to an only-days-car would most likely have
caused a near physical pain to the owner...
and an intent to commit murder.
Maybe they are talking about mud/spray on all the other cars???