Claims

If the other party handled this claim on their insurance because you were not at fault, the claim should not affect your insurance rates or quotes going forward. If you decide to proceed with an application and do not disclose this claim, the insurance company’s underwriting department may find this regardless of whether you told them or not.

Unfortunately, you won’t be able to remove him from the history of the policy, but if you are getting new quotes, it would be best to obtain proof that the claim was not in your name. Most insurance agents will be able to dispute a claim if they are provided said proof at the point of sale. 

You will want to use your boyfriend's insurance to cover this claim. He would need to have full coverage for the vehicle to be fixed.

Sorry to hear about the situation. In general, your insurance company does not want to pay out on claims, especially if there is any hint of fraud.

Not being a claims adjuster, I can't say exactly how this situation should play out. However, their assessment seems fair since it was your fault and your vehicle was damaged.

Unless otherwise requested, changes on insurance policies go into effect right away. As long as you requested the change sometime before you began your trip, the deductible change is in effect as soon as you request it from your insurance company.

Sorry to hear about your situation. If you paid for all damages and signed off that the repairs were completed, I don't see how this person could legitimately file a claim against you.

If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.

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.