What does an insured person do when they file a claim?

When an insured person files a claim, they are essentially notifying their insurance company about a loss or damage that has occurred and that is covered under their policy. This process involves requesting compensation or payment for the covered losses incurred, which is the fundamental purpose of an insurance claim.

Filing a claim does not terminate insurance coverage; rather, it indicates that the insured intends to utilize the coverage provided by their policy for financial support due to a specified loss. Adjusting premium payments is related to the financial aspects of maintaining coverage, but it does not directly correlate with the act of filing a claim. Similarly, transferring a policy to another provider is a different process altogether that does not occur simply by filing a claim for damages or losses.

Thus, the action of filing a claim clearly aligns with the request for payment for losses, making it the accurate answer in this context.