Which of the following statements about the insurer's obligation to provide a legal defense under the personal liability coverage (Coverage E) of the homeowners policy is (are) true? I. The insurer agrees to defend the insured only die suit is not groundless, false, or fraudulent. II. The insurer's obligation to defend the insured ceases after the amount paid for damages from an occurrence equals the policy limit. I only II only both I and II neither I nor II Which of the following statements about the coverage for medical payments to others (Coverage F) under the homeowners policy is true? Medical payments may be made for any resident of the named insured's household. Medical expenses incurred within 3 years of an accident are covered. Medical payments are made only if the insured is not legally liable. Covered medical expenses are limited to emergency room charges