From dollar one a paid negligence claim goes against your insurance record.
The only way I can think of for that to happen is if your CC&Rs (condo docs) hold you responsible to any damage to others regardless of fault. Check your CC&Rs for that possibility.
Hello, I am having a similar issue. My toilet leaked into the ceiling of the neighbor downstairs. I had the toilet fixed the same day and paid a lot because the neighbor called the plumber and said it was an emergency even though I had located the leak and put a bucket to catch any drips while waiting for the plumber. My insurance agent told me that I am not liable for the damages to their ceiling because a leaky toilet does not make me negligent. He also advised me not to pay anything to them because it would be an admission of guilt and would set a precedent for future issues and/or leaks. I told the homeowner to have his insurance company call mine, per my agent. He refuses and is threatening me with legal action. He is bordering on harassment with phone calls, visits, emails and letters. I feel bad, but my agent specifically advised me not to pay anything. Our property manager is weak. The owner emailed him, and he responded that I am responsible, so I asked him for a copy of the CC&R to support his claim. Is there any particular language I should look for? Does it need to be clearly stated? Should I forward a copy of the email to my agent once I receive the CC&Rs?