When you have alleged something you are making a statement that something is true. An allegation is a statement of a fact by a person which that person intends to prove. So an allegation is an assertion until it is proved.

In a civil complaint, a plaintiff alleges facts sufficient to establish all the elements of the situation and thus create a cause of action. The plaintiff must prove that the allegation is true in order to succeed in its lawsuit. The defendant can allege affirmative defenses in its answer to the complaint.

Your insurance policy provides you with a legal defense for certain situations. If triggered, the policy will defend you and then pay if you are found to be negligent. This is all part of the claims process.

Talk to your agent or broker if you do not understand some of the terminology or the procedures when you are dealing with your claim. They cannot act as an adjuster or an appraiser but they are able to help with communication.