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The Division of Insurance will gather the facts of your declare, request the businesses file, and guarantee that you have been treated fairly by your policy and the state statues that apply. Your insurance firm might charge you a higher deductible, copay or coinsurance in case you see a non-most popular provider They will provide you with a directory (usually on-line) that lists most popular suppliers. However, insurance policies usually embrace provisions or exclusions that attempt to switch or eliminate that basic rule.