This paper has been written with regards to the problem of a friend who approached me and is very upset because an insurance claim she submitted has been denied. After this, she has been asked to file an appeal. This paper focuses on identifying the steps that she should adopt in order to file the appeal. Furthermore, in order to deal with this issue, and in order to file the appeal and to decide on the steps to be adopted to file the appeal, it was necessary to first consider reasons for the ...