Who files a claim with the insurance company?

The correct answer is the claimant, as this refers specifically to the individual or entity that is making a claim for compensation under an insurance policy. A claimant can be the insured party themselves or another party that has suffered a loss and is seeking to recover damages covered by an insurance policy. The process typically involves the claimant notifying the insurance company of the incident and providing necessary documentation to support their claim.

In contrast, the insured is the individual or entity that holds the insurance policy, and while they may also file a claim, it is the term 'claimant' that encompasses anyone requesting compensation, regardless of their role in the insurance agreement. An attorney may assist in the claim process or represent either the insured or the claimant but does not file the claim on behalf of the insured unless specifically authorized to do so. The insurance company does not file claims; rather, it processes claims submitted by claimants. Therefore, focusing on the term 'claimant' clarifies the role of the individual or party seeking a remedy through insurance, which is essential for understanding insurance processes.