A claim is your formal request to your insurance company for payment after a covered loss or event. Whether it's a car accident, medical procedure, or storm damage to your home, filing a claim is how you actually use your insurance coverage.

The claims process typically involves reporting the incident, providing documentation (like photos, receipts, or medical records), and working with an adjuster who evaluates your claim. Your insurance company will then approve, deny, or partially approve your claim based on your policy terms. Keep detailed records and don't hesitate to ask questions—understanding your claim status helps ensure you get the coverage you've been paying for.