If you create an article and allow to add comment below that article and play little with that then you will get more idea about that.
In your case if you don't have comment class for your image then. First create a comment class at "Setup->Classes->Content"
You might have to play with your roles and policy.
now edit page "User_accounts->Roles and policy->Anonymous"
Add new policy and allow Anonymous user to edit/create
object of newly created class below certain subtree.
After new policy is created for Anonymous user or anybody can create object of that class below specified sub tree.
to create comment from user site, Try following link that might help you. http://ez.no/ezpublish/documentation/building_an_ez_publish_site/the_guestbook
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