As I indicated earlier, the AAIC denies obvious dental claims by demanding "complete dental records," which nobody has. The law that requires to treat policyholders and claimants fairly is universal for all states. For example, in Maryland it prohibits actions which are "arbitrary and capricious, lacking in good faith." The AAIC operates in many states and its demand for claimants to present complete dental records is illegal since dentists dont require previous dental records and, moreover, states allow dentists to destroy their records after a certain period of time. Since nobody can satisfy this requirement, this allows the AAIC to deny claims. There is a small probability to reach a settlement without an experienced lawyer, so that in most cases the amount of money obtained by a claimant (especially, elderly claimants) isnt enough to pay for the required future dental treatment. Unfortunately, state insurance administrations allow the AAIC to violate this law. I asked Maryland Liability Commissioners Mr. Baron, Ms. Bailey to answer whether the demand of "complete dental records" violates the Maryland law. The came question was asked Ms. Hatchette, the Maryland Associate Commissioner on Consumer Education and Advocacy. They refused to answer this question. Finally, this question was presented to Mr. Beal, the CEO and Chief Legal Officer of the National Association of Insurance Commissioners. The same result. As it wisely noticed Mahatma Gandhi, Corruption and hypocrisy ought not to be inevitable product of democracy, as they undoubtedly are today. It is well known that insurers and lawyers are generous political donors. This explains the situation. User's recommendation: .My example of the AIAA demonstrates the need of new laws and regulations related to the health insurance industry.