You bought insurance, got your claim certified by Apple, and refused to file your claim, throwing away $2000 to spite Apple, and then gave Apple another $2000?
Your accident was buying a computer from a company who didn't honor their warranty, or something that happened when you weren't watching.
I don't see much issue with making an accident claim given there is "proof of an accident that I did not witness". If the insurance denies Apple's proof is sufficient then the ball is back in their park.
Your accident was buying a computer from a company who didn't honor their warranty, or something that happened when you weren't watching.