Consumers who enlist in insurance are entitled to certain legal rights when they make their investment, regardless of the company used, the type of insurance, or even the amount of premium. By paying to your insurance company, you are promised certain protections if you fall within the coverage of your policy. If the insurer's requirement to you is not fulfilled, meaning that they failed to cover a legitimate claim, you may have become victim to insurance fraud. Insurance fraud can also occur conversely, with a consumer filing a fraudulent claim, but consumers are hurt individually by insurers that commit this type of fraud. If you are insured and have reason to believe that your company has denied a valid claim, you should first contact your insurer to dispute their claim. Even when your insurance company has confirmed their "no," you are still entitled to fight for your claim. At this point, contact can be made with your state's insurance department to file insurance consumer complaints. A last means of resort can be to sue the insurance company - fraud of any type is illegal, and you are within your right to receive your coverage and even additional damages when it takes place.