One question, and it decides every question after it. There is no wrong answer here: if it turns out to be something else, a handler changes it.
Nothing is submitted to an insurer by this prototype, and no claim for a demo business is written down anywhere. Everything you type stays in the address of this page, which is also how you would send it to somebody.
It goes into a claims handler's queue with everything on it. They decide what happens, and they are the only one who can.
This prototype assembles a claim and stops. It does not agree the claim, put a figure on it, or pay anything, and no automatic step of it ever will. If it looks like it is deciding something, that is a bug worth reporting.
They can see the gap, tell you about it and point you at somebody. Filling in a claim for a client is a regulated activity a practice is not allowed to do, so a claim is always yours to make. That is the rule, and it is also why this screen is built to take five minutes.
Prototype built for discussion. This is not a real insurance claim, nothing is submitted to any insurer, and nothing typed on a demo claim is stored anywhere.