auto claim

You do not have to pay them if you had insurance at the time of the accident. They would need to contact the insurance company you had at the time, provide them with your policy information, and start the process.

You are correct. Some injuries may take a while to become apparent. If you are still within the statute of limitations — and the injury was a direct result of the accident — you can reopen the claim to receive payment. 

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know would be if it would be possible to still get a police report and redo the claim.

While your agent could certainly help advise you about whether or not to make a claim, it's possible that they could report the potential claim to their underwriters who may follow up on it. At-fault accidents can add a considerable amount to your insurance premiums, so you definitely want to be careful about filing.

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim.

I would file a claim on their insurance. Excluded drivers are exempt from coverage.

In this case, if they opened a claim on their own insurance they are likely admitting fault. I would also open a claim against their insurance.

The full amount of damages is to be settled at the time of loss. The insurer giving you a payment option versus taking you to court is already a courtesy they are offering you.

Yes, regardless of police involvement the other party can file a claim against you if you were at-fault. Your insurance will want to settle the claim to avoid a lawsuit.

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out.