• Obtain the original application and later change requests.
• Preserve quotes, proposals, emails, texts, and renewal communications.
• Identify the producer or agency involved and the insurer appointment relationship.
• Compare requested coverage with the issued policy and declarations.

Failure-to-procure issues are distinct from interpretation of the policy actually issued and require their own factual and legal analysis.

Migration source: VictimsGuide Montana insurance-agent guide. Verify current Montana law and official authority before reliance.