Key definitions: insurance claims

Page updated on: 04/12/2025

  • Insurance Claim
    A formal request to Carmarthenshire County Council or its insurers asking for compensation for loss, damage, or injury that you believe was caused by the Council’s negligence.
  • Claimant
    The person, business, or organisation making the claim.
  • Negligence
    When someone fails to take reasonable care, resulting in harm, damage, or injury to another person or their property.
  • Public Liability
    Insurance that covers injury or damage to third parties or their property due to the Council’s actions or failure to act.
  • Loss
    The harm, damage, or financial cost you are claiming for.
  • Evidence
    Documents, photographs, witness statements, invoices, receipts or other proof that support your claim.
  • Settlement
    The final agreed payment or resolution of a claim.
  • Timeframe
    The expected period for your claim to be reviewed and resolved.
  • Fraudulent Claim
    A claim made using false information or with the intent to deceive.
  • Policy
    The formal written contract of insurance between the Council and its insurer, outlining what is covered and under what conditions.
  • Claims Handler
    A member of the Council’s Insurance Team who manages the early stages of your claim and coordinates with you, the Loss Adjusters, and other departments.
  • Loss Adjuster
    An independent insurance professional appointed by the Council to investigate and assess your claim. They gather facts, inspect damage, and recommend a fair outcome based on the policy. They are impartial and do not represent either side. 
  • Repudiation
    When a claim is formally rejected, usually because the Council is not found to be legally responsible.
  • Settlement Offer
    A proposed amount of compensation offered to the claimant if liability is accepted.
  • Legal Representation
    A solicitor or legal advisor you may appoint to help with your claim. This is optional and not required to make a claim.
  • BACS Payment
    A bank transfer method used to pay settlements directly into your account.