An insurance claim, to put it simply, is what is filed by insurance policy holders should they encounter an event stipulated in their insurance policy that would entitle them to compensation. Each and every insurance policy will have different specifics and different criteria to meet in order for one to benefit from a claim. The reason for these complications is that there has been insurance fraud for almost as long as there has been an insurance industry, and with insurance fraud marring the nature of around 10% of insurance claims in the United States, insurance companies need a way to keep themselves protected.