Following an insurer's withdrawal of its reservations of rights and coverage defenses that gave rise to an insured's right to Cumis counsel, the insurer is no longer obligated to the pay the insured's Cumis counsel once the conflict is eliminated, and here the trial court properly determined that defendant-insurer did not breach its insurance contract with plaintiff by refusing to pay any attorneys' fees incurred by her Cumis counsel after defendant-insurer withdrew its reservation of rights.