When an insurance claim is lodged by an insured on the insurance company, it's a liability on them. The main allegations against the the insurers relatinlating to claim is delayed payment, denial of claim drastic reduction in claim amount on silly pretexts etc. The regulatory authorities have tried to minimize the sufferings of the insured persons by implementing many rules and regulations. Introduction of TPAs is a step in the right direction.
Anytime you make a claim with your own insurance company against someone else's company or their company directly, the company taking the claim by law has to fully verify and investigate the claim being made. Not only that, no insurance company in their right mind would pay out insurance claims without checking them out first.
You just ask the company.
You can file a claim against your insurance company for an action caused by another person with no insurance if you are covered for such an occurance. An example would be if you had uninsured motorist coverage and were hit by someone without auto insurance. However if you want to file a 'claim' against the person directly who has no insurance there is no one to file the claim against. The only alternative here is to sue the person in court.
If your lien holder repo's your vehicle, they can file a claim against your insurance for damage to the vehicle. The repo company itself would have no claim, because it's not their vehicle.
Generally, a claim can be cancelled. If you do not want the insurance to pay a claim, the company will be glad not to pay it.
A claim is a liability on part of the insurance company. If a customer makes a claim it means that the insurance company has to pay the customer for the amount is eligible to claim and hence it is a expenditure on the balance sheets of the insurance company.
To get the correct answer you should ask the insurance company.
It is up to the insurance company to seek damages, not you.
Just file a claim with the other parties insurance company. You called the police and got an accident report, right?
They would usually go to the insurance company. If they did, I would refer them to your carrier.
That's not very likely. The insurance company does not file your claim, they accept your claim notice from you. You have to file your claim with the company, not the other way around.
You can only claim against the rental company if the driver took out their insurance. If he has his own separate insurance, that is where you need to make the claim.