Which of the following can be defined as a 'claim'?

A 'claim' is commonly understood as a formal request for payment or compensation as stipulated in an insurance policy. It typically involves a clear and definitive action by the policyholder to seek reimbursement for a loss or damage covered under their policy.

The chosen answer, which describes a written demand or filing of suit, aligns perfectly with this definition. This type of claim formalizes the policyholder's request, marking a transition from informal inquiries or discussions to an established, documented claim process. Filing a suit also indicates a legal step taken to enforce the terms of an insurance policy, which further establishes the seriousness and formal nature of the claim.

In contrast, the other options involve less formalized actions. A verbal request for payment might indicate a desire for reimbursement but lacks the formal documentation necessary to be classified definitively as a claim. A request for clarification of coverage does not seek to claim benefits but rather aims to clarify terms of the policy, which isn't a claim in itself. Similarly, a notice of intent to file indicates a preliminary step toward making a claim but does not constitute an official request for payment until the claim is submitted properly.