Which of the following statements is not true regarding the insurer's duty to defend the insured?
The duty is only triggered once the insured has notified the insurer.
Insurers always pay punitive damages to the insured when they fail to defend.
Failing to defend the insured is a breach of contract.
The insurer only has to defend claims that come within the scope of the policy.
The insurer must provide an attorney to defend the claim against the insured at the insurer's expense.