Insurance claims protect people from financial ruin after an accident or disaster. At its most simple, the definition of an insurance claim is “a formal request for money after a major loss.” When an insured object has been damaged, stolen, or rendered unusable, insurance claims allow people to get back the value of that thing without suffering a massive setback. The largest assets in our lives, like cars, homes, or health, are too expensive to replace out-of-pocket for most people. Insurance claims are a way for people to mitigate that risk, to minimize the impact of disasters or accidents on their lives. Insurance claims allow regular people to protect their livelihood when life takes a turn for the worse. Minimizing the impact of a disaster allows people to move forward.