We are independent & ad-supported. We may earn a commission for purchases made through our links.
Advertiser Disclosure
Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.
How We Make Money
We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently of our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.

What Is a Claim Report?

Nicole Madison
Updated Feb 23, 2024
Our promise to you
WiseGeek is dedicated to creating trustworthy, high-quality content that always prioritizes transparency, integrity, and inclusivity above all else. Our ensure that our content creation and review process includes rigorous fact-checking, evidence-based, and continual updates to ensure accuracy and reliability.

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

Editorial Standards

At WiseGeek, we are committed to creating content that you can trust. Our editorial process is designed to ensure that every piece of content we publish is accurate, reliable, and informative.

Our team of experienced writers and editors follows a strict set of guidelines to ensure the highest quality content. We conduct thorough research, fact-check all information, and rely on credible sources to back up our claims. Our content is reviewed by subject-matter experts to ensure accuracy and clarity.

We believe in transparency and maintain editorial independence from our advertisers. Our team does not receive direct compensation from advertisers, allowing us to create unbiased content that prioritizes your interests.

A claim report is a document a person files in order to make a claim against an insurance policy. This term can be used to apply to many different types of insurance, however. For example, a person can file a claim report for car insurance, liability insurance, worker's compensation, flood coverage, or homeowner’s insurance. Often, the purpose of the claim is to report an accident or event to an insurance company and receive compensation. For example, if an individual’s property is damaged as the result of a flood, he would file a claim report to get compensation for the repair or replacement of the property.

Claim reports are filed to inform an insurance company of a claim and to request appropriate action. For example, a person may file a claim report after a car accident in order to advise the insurer of the accident and begin the necessary process for securing compensation; filing the car insurance claim report initiates the insurance company’s process for investigating the claim and paying out any compensation that is due.

Often, timing is important when a person has to file a claim. If, for example, a person’s home is burglarized, he will typically need to file a claim report as soon as possible following the incident. Filing in a timely manner helps to ensure that the insurance company will consider the claim valid. Likewise, filing quickly might help the person who files the claim to receive compensation faster.

Though filing a claim report often involves written documentation, many insurance companies allow people to get started with the claims process by phone. For example, following a car accident, a person doesn't usually have to wait for forms to arrive in the mail or visit his insurance company to file a report. Instead, an individual can typically report the details of the accident to an insurance company representative by phone, and the representative will complete the required forms. The insurance company might send additional forms through the mail for the individual to review and sign, however.

The information a person includes on a claim usually depends on the type of claim in question. In most cases, however, an individual will include his name, address, and phone number as well as the names, addresses, and phone numbers of any other parties involved in the claim. An individual who needs to file a claim will also have to provide the date and time of the incident or event as well as a detailed explanation. Additionally, an individual may do well to include names and contact information for any witnesses to the event.

WiseGeek is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.
Nicole Madison
By Nicole Madison
Nicole Madison's love for learning inspires her work as a WiseGeek writer, where she focuses on topics like homeschooling, parenting, health, science, and business. Her passion for knowledge is evident in the well-researched and informative articles she authors. As a mother of four, Nicole balances work with quality family time activities such as reading, camping, and beach trips.
Discussion Comments
Nicole Madison
Nicole Madison
Nicole Madison's love for learning inspires her work as a WiseGeek writer, where she focuses on topics like...
Learn more
WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.

WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.