Responses
There is a "record call" feature in your phone. She was very smart even mentioned their location in their conversation by mentioning "pushed him from up top here" (something i don't remember the exact words) so Male lead would know where to come to rescue her. Of course she was also not super smart. She didn't expect the old guy to try to push her and that was dumb of her but it's not the dumbest thing. People make worse mistakes than this

How exactly is she going to deny insurance coverage with no evidence? I mean, good on you for having 0.2% safety instinct (obviously not passing grade), but you've not done your fucking job. Until he confesses, it's all conjecture.
You were a class topper?? Sweetheart. Did we suddenly forget how to function without a man? Don't get me wrong, I love the ML, but damn, Don't reduce him ro the only functioning brain cell on the team.