Which of the following is NOT a form of insurance claim a policyholder can file?

The choice of "D. Concurrent claims" is correct because it does not represent a formal type of insurance claim that policyholders typically file.

Insurance claims are primarily categorized into first-party and third-party claims. A first-party claim is one where the policyholder seeks compensation directly from their own insurance provider for a loss or damage covered under their policy. In contrast, a third-party claim involves seeking compensation from another party's insurance for damages that the policyholder is entitled to due to the negligence of that third party.

Subrogation claims refer to the process where an insurance company seeks reimbursement from another party after paying a loss for which that party is deemed responsible. This is a common practice in insurance to recover costs.

In contrast, the term "concurrent claims" does not correspond to a recognized category of claims in the insurance industry. While there can be situations involving multiple claims (for example, involving both first-party and third-party claims in the same event), the terminology "concurrent claims" does not specifically describe an official type of claim a policyholder would file. Therefore, it stands apart from the other options as being not a formal claim type.