Oh, I've actually helped my cousin do this, so it's not as complicated as it sounds. If you're in Michigan or New York and you're feeling ripped off by your insurance company—maybe they denied your claim for no good reason or hiked up your rates again—you can file a consumer complaint online. States like Michigan have websites where you just fill in the forms, attach any proof like bills or letters, and explain what happened. New York uses their Department of Financial Services site and it's pretty easy to follow. I've found that it helps to keep records of every call or letter from your insurance company because you might need those details. After you file, someone from the state might actually reach out, and they often make the insurance company respond to your complaint. I remember my cousin getting a call back a few weeks later, and it actually got sorted out faster than we expected. My main tip: don't wait forever, and gather as much info as you can before you start. It actually feels good to take action instead of just complaining to your friends about it!