(1) Necessary expenses, judicial or extra-judicial, incurred by the insured to defend him/herself against the claims of a third party shall be deemed to be included in the subject matter insured. The insured may demand that an insurer make advance payment for such expenses.
(2) If the insured can be exempt from the execution of judgment by providing a security or making a deposit, he/she may require an insurer to provide a security or make a deposit within the limit of the insured amount.
(3) Where an act specified in paragraph (1) or (2) has been conducted by the instruction of an insurer, even if the amount of security or deposit plus the amount of losses exceeds the insured amount, the insurer shall be liable for them. <Amended by Act No. 4470, Dec. 31, 1991>