Claim

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If you are an insured, you file a claim when you have had an accident that results in a loss. For example, if your car is damaged, you can make a claim to your insurance company asking for money to repair the car (if you have bought comprehensive and collision). What happens next depends on the insurance company, which will usually verify that the claim is real by requesting a proof of loss. Then the insurance company will sometimes instruct you on getting the car repaired, maybe even telling you which repair shop to use. Your insurance policy will almost certainly have a deductible, so you will have to pay part of the loss yourself. Note that a claim is not necessarily the same as a loss: you could have a loss and then decide whether or not to make a claim. (A claim can also be made by an obligee under a surety bond.) Probably the most common insurance claims are those made under health insurance polices.