Learn — Policy basics
Insurance claim
What an insurance claim is, how filing and the adjuster review process work, and how at-fault claims can affect your auto or home insurance rates.
A claim is a formal request to your insurance company to pay for a covered loss. You can usually file by phone, app, or online.
Filing frequency can affect future premiums. Small losses you can comfortably pay yourself are sometimes better handled without a claim — but never skip reporting when someone is injured or liability is unclear.