claim

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.

Insurance never works retroactively; it goes by the effective date stated on the policy. Any incidents that happened prior to the date of binding will not be covered.

Auto insurance will not get involved in this situation unless you were injured in a car accident or something else that would qualify as a loss. If your friend is at-fault for this happening, you could file a claim against the personal liability coverage of their renters or homeowners policy.

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.

We have a handy guide on how to determine whether or not to file a claim here. For that amount of damage, it's probably wise to forgo the claim and pay for the damage out-of-pocket. If you go through insurance, you would be classified as at-fault in this incident and you can expect your premium to increase over a period of three years.

Sorry to hear about the accidents. If you were to move to a new company they would probably start the policy reflecting these accidents.

I'm sorry to hear about your accident, but I'm glad that you took pictures. It is hard to say if the police will show in some areas for a minor accident.

You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium.

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.

Unfortunately, if you're at-fault and the other party wants to file a claim against you, that is within their power to do so — even if you previously agreed to pay for the damage out-of-pocket. If you had already paid for the damage, make sure to tell the claims department when you speak with them and provide proof if you have it.