The insurance company only sent a text message to inform the payment, did it fulfill its obligations? Do you need to take responsibility?

you have fulfilled your obligations and don't need to take responsibility.

insurance companies will notify customers to pay by SMS or telephone in advance, but they are not obliged to do so. Because the insurance contract indicates the exact payment date, the customer already knows his own payment time, and the contract does not indicate that the insurance company has the obligation to notify in advance, so the insurance company has no obligation to remind the customer to pay.