Remember that once your primary coverage is exhausted, it's on you to pay for defense against a claim as well as to make good on the claim if proven. (effectivecoverage.com)
Liability coverage also offers defense against a claim or suit that would be covered under the policy. (effectivecoverage.com)
The auto insurance company must also provide legal defense against claims without lowering the coverage limit of a policyholder. (autoquotenow.com)