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How can I challenge my insurers if they refuse to cover a claim?
Usually, insurers that refuse to cover a claim have a strong legal reason for doing so even if you disagree. First, contact your independent agent if you feel you are being treated unfairly because your independent agent is your strongest advocate in insurance matters. But if it is a legal problem, you may have to hire a lawyer.
Talk to your agent if you have a problem with your insurer, and talk to your state insurance department if you want more specific information on state regulations and legal precedents.
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