Call your insurance company and see if you can get the name of a person that has denied your claim. Tell them you need it for a form to file a complaint with the insurance commissioner.

If they tell you that you can appeal instead, just tell them that is fine, you’ll do that, but first you’re filing the complaint with the commissioner.

This works for me. I’ve never had to do any of it, they just suddenly approve things because they don’t want the commissioner looking into anything.