The insurer may investigate any event that has led to a liability claim.
The insurer has a duty to defend the insured in any lawsuit seeking damages for a covered type of injury or damage.
At its discretion, the insurer may settle any claim or lawsuit.
The insurer's right and duty to defend and pay claims ends when the applicable limits of insurance as specified in your policy "Declarations" are used up in the payment of judgments, settlements, or medical expenses.
The insurer bears the cost of providing a defense; this cost is not part of your policy's coverage limits.
