claim

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.

Thanks for the question. If the claim was never paid out, you don't really need to mark it down as an accident.

The statute of limitations on property damage and injury claims in Ohio is two years — so you are well within the time frame to file a claim. The car being keyed would count as an act of vandalism, so your comprehensive coverage should cover the damage.

Even if the vehicle you backed into was uninsured, it is still your responsibility to pay for the damages if you were at-fault. If the other party doesn't want to go through insurance, then they don't have to.

This entirely depends on the date of the loss, i.e. when the home burglary happened.

Yes, your uninsured motorist coverage would include coverage for UMPD (uninsured motorist property damage). Your deductible typically applies.

You should still be able to open up a claim for any injuries or medical visits resulting from an accident. Specifically, in Tennessee, you have three years to make property damage claims and one year for injury claims.

Thank you for the question. I would avoid filing a claim unless the damage is severe.

A comprehensive claim can affect your insurance rating. However, most carriers are alright with allowing one such claim per three year period.