Okay, you have two sets of wheels. Do they take the same lug length/ lug nuts? That may have been where your issue was. Wouldn't be uncommon for them to take different styles and it absolutely as to be the right style. But dang, on the front wheel you should have felt a vibration when the first lug nut came off just from being unbalanced.
Insurance will cover it, but I'd first get an estimate and then talk to my agent. It could be that you're better off paying out of pocket when you figure in the deductible + rate increase.
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