This is a question that we hear all the time. It is natural human instinct to think that if we treat others nicely, they will return the courtesy. Unfortunately, that is not always the case with insurance companies. The very fact that you are reading this reveals that you most likely have not been treated fairly. Our experience has shown the opposite: It’s easier to take advantage of a ‘quiet’ victim who keeps things to themselves. Insurance companies are less likely to misbehave when they know the regulators are watching. As with all business, being an educated consumer who stands up for his or her rights is the best defense against misconduct. The American Policyholder Association strongly encourages all policyholders who feel they have been cheated by their insurance company to pursue their rights to the fullest extent of the law. It is only by fighting back that we ensure that our friends, family, and neighbors will be treated with fairness and integrity.