DON’T RELY ON TELEPHONE CALLS WITH THE CARRIER AS PROOF OR NOTICE!! Always communicate in writing, and always keep copies of what you wrote. Pay special attention to the names of people you talk to along the way, their contact information, AND WHAT THEY SAID. Be sure to take notes and write them up right after you finish any relevant conversation. You can be pretty sure that the insurance company is going to do so, and is probably recording your conversation.