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Losses or damages are incurred continuously by motorists, business owners, workers, property owners etc.

These damages or losses should have a financial cover that will protect them from the cost of damage or loss incurred.

The process of getting this financial cushion is known as getting an insurance policy/cover. This is a contractbetween an individual or entity and an insurance company to manage the risk. The entity or individual receivesprotection from a potential loss and pays a fee known as a premium to the insurance company. This is done inpreparation for a contingency such as the death of the policyholder or damage/destruction of their property.
 
What shapes public perception on claims
In a recent study commissioned by claimsrated.com and conducted by Online Opinions, it was revealed that theinsurance claims process has an undeserved bad reputation. The          online survey of 1,000 people found that: