When Linda suffered a broken hip, she notified her agent, in writing, within 12 days of the loss. However, her agent did not notify the insurance company until 60 days after the loss. Which of the following statements correctly explains how this claim would be handled?

a) The insurer may delay the payment of this claim for up to 6 months.
b) The insurer may settle this claim for less than it otherwise would have had the notification been provided in a timely manner.
c) The insurer may deny the claim since it was not notified within the required 20-day time frame.
d) The insurer is considered to be notified since the notification to agent equals notification to the insurer.