Can I file an claim for negligence
Should I follow a claim? My wheel fell off, because I forgot to tighten axle bolt. Totally my fault.
I would assess the damages and if you can pay out of pocket, do so. While the claims department might disagree, this sounds like it would be an at-fault collision claim. If this is the case, they would cover the claim would charge you an at-fault claim – which would stay on your insurance record for 3 years. Just in Colorado, premiums went up an average of 39% last year. If the value of damage is less than this, I would recommend paying for it out of pocket.