Assume an insured has been sued for negligence for starting his neighbor's house on fire while burning leaves, causing the neighbor's house to be destroyed and two children to receive severe burns. The insured disputes the amount of the neighbor's demands for their losses. The insured's insurance company is providing a defense attorney for their insured as the case goes to trial. Which of the following statements is true regarding the costs of the attorney? The attorney's costs are paid by the insurance company regardless of the insured's liability coverage limits. The neighbor will have to reimburse the insurance company for the costs of the attorney if the insured is found not liable. The insured will have to reimburse the insurance company for the costs of the attorney if the insured is found liable The attorney's services will be discontinued if they exceed the insured's coverage limits