In Steinberg v. Hermitage Ins. Co., 26 AD3d 426 [2006] there was a need for the insurer to investigate into when the insured first received notice of the accident because the insurer initially received from the broker insufficient information from which to make that determination, namely an Accord Form Notice of Occurrence with an attached summons and complaint (see Steinberg v. Hermitage Ins. Co., Sup Ct, Queens County, Oct. 14, 2003, Hart, J., Index No. 27355/98). Only after conducting an investigation did the insurer then discover that the insured first received notice of the accident and claim one month after it occurred via letter from the claimant's attorney, but failed to forward that letter to its insurer (see id.).