A $100,000 Coverage E limit is paid out in full to settle one suit while a second claim from the same occurrence is pending. The insurer's duty to defend:

Giải thích

Defense costs are paid in addition to the limit of liability, which is why a $100,000 judgment plus $30,000 of defense can cost an insurer $130,000, but the duty to defend stops once the limit has been used up by payment of judgments or settlements. Here the whole $100,000 is gone, so the insurer withdraws. Renewal opens a fresh limit for later occurrences, not for this one.