It’s a question that insurance companies often ask. In a trusted community playing a long term game, the answer is “it was my fault.” In a community looking for short term wins the answer is “it was your fault. The trampoline was unsafe, the driveway was slippery, etc…”
Now you have a problem on your hands because the insurance companies are going to go to battle for their side. Thousands of dollars of labor spent debating, litigating, proving etc… In the end it’s a zero sum game. One party wins and one loses.
In a trusted community you have a positive sum game. You take responsibility, you don’t file the claim and you save a massive hassle for everyone involved. Don’t look for other people to blame for your problems. Take responsibility, learn from it and move on.