Final answer:
Contact the insurance commissioner if you suspect fraudulent claims because they can investigate and enforce regulations. For denied claims or resubmissions, it's better to follow the insurer's appeals process.
Step-by-step explanation:
You should contact the insurance commissioner if you suspect fraudulent claims. The insurance commissioner's office is tasked with monitoring insurance practices and ensuring that insurance companies operate within the law. If there's evidence or suspicion of a fraudulent claim, the commissioner has the authority to investigate and take appropriate regulatory or legal action. In cases of a denied claim or before resubmitting a claim, it's usually best to follow the insurance company's appeals process. Contacting the commissioner in lieu of filing an appeal may not be the correct approach, as insurers typically have established procedures for reviewing and appealing denied claims.