An insurance claim is the actual application for benefits provided by an insurance company. Policy holders must first file an insurance claim before any money can be disbursed to the hospital or repair shop or other contracted service. The insurance company may or may not approve the claim, based on their own assessment of the circumstances.
Individuals who take out home, life, health, or automobile insurance policies must maintain regular payments called premiums to the insurers. Most of the time these premiums are used to settle another person's insurance claim or to build up the available assets of the insurance company. But occasionally an accident will happen which causes real financial damage, such as a automobile wreck or a tornado or a work-related accident. At this point the injured policy holder has the right to file an insurance claim in order to receive money from the insurance company.
Claiming insurance compensation can sometimes claim your peace of mind. The territory is agog with complaints like that of Mumbai-based jeweller Rohit Bajaj, 36. His insurer did not pay him to get his car back on the road after an accident. But, then, the fault was his: he had not followed the correct procedure for making the claim. The lesson from his case is that we should never give the insurer an excuse to refuse a rightful claim.

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Its my family bitter experience that when claiming for the insurance, Its always a lengthy process to approve your claim.