Insurance uses the term ‘Claim’ in the following ways:

  1. A claim made against the insured is a written demand such as a lawsuit, a subpoena, a civil or criminal proceeding. What constitutes a claim for a policy is defined within the policy wordings.
  2. A claim reported by the insured to the insurer is a request for reimbursement of a loss under an existing policy. See also: Reservation of Rights, subrogation.

Read an article: What is a claims adjuster?