They are torqued at 150 from the factory. Lug nuts do loosen over time on all vehicles. I check mine regularly on all my cars. At the track I torque them twice a day.
My motorhome has stickers at each wheel warning to torque them regularly. They are 450 foot pounds!
I did 3 days on track last week and put over 300 miles on the track. No cooling issues no brake fade. I let about 10 other guys try out the car and they loved it. They ran it hard too. I love my track pack.
Make 150.00 glass claim and that will show claim against your policy and will be on record for 3 years. A claim is a claim--doesn't matter how much.
My brother was turned down for new insurance (different company) because he had two claims in the last year. Two window chip repairs worth $140.00.