What action is Ben taking when he files a claim with Roxanne's insurer after being struck by her?

When Ben files a claim with Roxanne's insurer after being struck by her, he is essentially submitting a formal request for compensation for the damages he incurred from the incident. This action is part of the claims process in insurance, where an individual who has suffered a loss seeks reimbursement or payment from the insurance company responsible for the at-fault party.

This action involves providing the insurer with necessary documentation and details regarding the accident and the resulting damages, allowing the insurer to assess the claim's validity and determine the appropriate course of action, including whether to approve the payment or negotiate a settlement. Filing a claim is an established legal and procedural step that indicates an intention to resolve the financial implications of the incident through the insurance system.

In contrast, the other options describe actions that do not accurately reflect the nature of filing a claim. For instance, alerting the insurer of an intent to go to court, demanding immediate payment within a specific timeframe, or admitting fault are not steps involved in the filing of a claim and do not initiate the claims process directly. Filing a claim is the correct action that initiates the assessment and potential resolution of the damages through the insurance channel.