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How do I know if my car insurance company is frauding my?

My car insurance company has been charging me fees, rate increases (originally I was told it would be a decrease.), and a whole other mess with the DMV. I have not had any tickets, accidents, or claims. No one has been able to satisfactorily explain to me why this is happening. How do I now if I have a case with the insurance commission/and or a small claims lawsuit?

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