I had my neighbors arrested for threatening me and trespassing into my house. I am suing them for 250K for trespass, IIED, and nuisance. The insurance company is defending them under reservation of rights. It has been dragging on for over 6 months and they refuse to settle. Trial is in April. Recently, the judge denied def's reassignment motion and made it clear that punitive damages are in play. At what point may the insurance company exercise their exclusion rights? Their client is guilty, there are damages, and they are just racking up legal fees. Would they defend a guilty policy holder through a jury trial?