Which of the following claims typically do not affect premiums directly?

Diminished value claims typically do not affect premiums directly because they address the loss of value in a vehicle after it has been repaired, rather than the cost of the repairs themselves or any liability factors associated with an accident. These claims focus on how much a vehicle's value decreases due to an accident, regardless of whether the insured was at fault or how often they file claims.

In contrast, collision claims, for instance, involve damages to the insured vehicle resulting from a collision and generally lead to an increase in premiums. Similarly, liability claims can impact premiums because they involve the insured’s responsibility for damages to others and can reflect the risk associated with the driver's behavior. Weather-related damage claims typically focus on the insured’s coverage for damages caused by natural events, and while they might not lead to premium adjustments as frequently as other types of claims, they may still have an influence depending on the insurer's policies about claims frequency.

Thus, diminished value claims are distinct as they focus on residual value rather than incident-related factors that usually drive premium changes.