This is an excellent article written by the WA State Office of the Insurance Commissioner. Mike Kreidler has proven to be a fair commissioner and has fought hard for both sides.
Washington State Insurance Update: Insurance company turned down your claim? We may b...: Often when consumers call us with insurance problems, we suggest that they file a complaint with our office. And it's not uncommon for people to say something like "Why should I bother? I already called the insurance company, and they gave me their answer"... Click on the link to see how and why this can help!
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