No. Talking to the insurance company doesn’t start a legal claim. No matter how many discussions you have had, only formally filing the legal paperwork in court preserves your rights and starts your case.
The insurance company is hoping that you miss the deadline. Don’t let that happen! Even if you think you may be making progress with the insurance company, letting the deadline lapse can mean no case. As your lawyers, we make sure your case gets filed in the right way.