It is up to you, but we recommend that you call Phillips first. We will have better knowledge of your specific situation because we’ve worked with you before. We have all your policy information on file. We serve each customer on a case-by-case basis, understanding that no two situations are alike. We listen and we really do want to help you in your time of need. Of course, you are always welcome to contact your carrier directly. Click here to access providers’ direct lines.