We've complained twice to our state commissioner. In both cases, we received satisfactory checks from the insurance companies before we heard from the commission. In fact, it was as if we had sent the complaints to the companies, and they sent us checks by return mail. (Funny...they ignored our letters until we sent them to the state....)
That's Illinois. Texas may be different.
[This message edited by sisoon at 1:11 PM, September 29th (Sunday)]