This would be a state statue of limitations questions (physical damage or injury?) Regardless of that you shouldn't put off filing any insurance claim EVER... file it immediately, if you just want to know the answer, and there has been no claim, contact your agent, or dept of insurance for you state and they will be able to tell you the statue of limitation for your state.
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.
straight away
This type of insurance is tailor made to your business. It insures you against employee insurance claims, stock theft or damage, building damage and assists you to claim from almost any disruption from your income.
Not against your own insurance.
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.
Your fault, your problem! Any amount of damage above the limits of your insurance policy is your responsibility. Pay attention when you drive!
Whether or not you should make a claim against your insurance depends on the amount of the damage. In this state, if you make a claim against your own collision insurance, your insurance will go up by several hundred dollars a year for three years, so you are talking a thousand dollars. Say you have $200 deductible. Then your break even point is about $1,200. If the other guy caused the accident, make his insurance pay!
It depends on whether or not the car carried comprehensive insurance. If it did the auto owner's insurance would cover the tree damage, regardless of the cause. If the car did not have comp. coverage, then the car owner may be able to make a liability claim against the tree owner's homeowners insurance coverage. If the homeowner's insurance denies the claim, the car owner can still seek a civil award against the homeowner's personal assets.
Since it was caused by the vehicle, the vehicle insurance should cover it. Most home owners insurance companies would probably make a claim against the auto insurance company, if they covered it.
good way to get hit with an insurance fraud charge
It would be an auto claim for the damage to the other and a homeowners claim for the damage to your property. You cannot be liable to yourself, so you cannot claim the property damage on your auto policy.
Without anything damaged, lost or stolen there is nothing to claim.