This outfit of cockroaches is part of the Colorado Government that is supposed to take up for the consumer with insurance companies - specifically under colorado law CRS title 10-1-103(1) "..there is a division of insurance within the department of regulatory agencies...and has a supervisory authority over the business of insurance in this state..." These cockroaches ( hide in the dark, when someone turns on the lights, scurries tries to hide through diversion, blaming someone else, redirecting, blaming the accuser, and generally treating the comsumer like a mushroom(( kept in the dark and fed BS))). An actual and sad example is with USAA, (United Servic Auto Association) for military and their families, originally just auto insurance, now all types, Homeowners, life, banking, financial broker, and all other "services". These "cockroaches" lied and refused to pay a claim for a 68 yr old AF Captain, Vietnam vet. and DORA condones it.