Hi Jan,
I have been going through the unit exams again, and was marked Incorrect on the below question and answer. I confirmed in the 26th edition study guide that the wording does specify that the coverage for defense is contingent on not having exhausted the policy limits.
Can you please confirm that I actually got this question correct, or please clarify why my answer is wrong?
-Thank you,
Addison Dubay
Is the cost of defending against claims included in the covered limits of a PAP?
Select one:
A. The costs of defending claims is payable in addition to the policy limits
B. Yes, coverage for defending against claims exists only so long as coverage exists
C. Yes, coverage for defending against claims exists only so long as the policy limits have not been exhausted 
D. Yes, there is a separate limit for defense costs
Feedback
The correct answer is: The costs of defending claims is payable in addition to the policy limits