 TITLE: What Is an Insurance Claim? CONTENT: Types of Insurance Claims\n-------------------------\nThere are several types of situations in which you'd make an insurance claim, depending on your specific policy and what it covers.\n*   **Auto insurance**: You'll typically file an auto insurance claim if you're involved in a car accident with another driver, your car is stolen, your car is damaged by a collision or natural disaster, or if you injure another person or damage their property with your car.\n*   **Homeowners insurance**: You might make a homeowners insurance claim if your home is damaged by a fire, windstorm, lightning or hail; if your home is burglarized or vandalized; or if someone is injured on your property (such as a guest who slips and falls in your kitchen). Homeowners insurance typically doesn't cover floods, earthquakes, landslides, sinkholes or sewer backups, but you can get separate coverage to protect against these risks.\n*   **Health insurance**: You'll make a health insurance claim (or your provider will, on your behalf) whenever you receive health care or fill a prescription that is covered by your insurance policy.\n*   **Life insurance**: When a person who has life insurance dies, the beneficiary of the policy files a claim with the insurance company to receive the proceeds of the policy. END