Anyone have E&O through TIAC?  I got my quote from them and am slightly confused about the deductible type : loss & expense or first dollar defense.  It was explained to me that first dollar defense meant in case of a claim I would not have to pay the deductible upfront, but would have to pay at time of settlement, and loss & expense meant in case of a claim I pay the deductible right away.  The difference in my E&O quote is $250.00 more if I get the first dollar defense, which is what I have been getting in the past.  But money's tight and I'm wondering if I really need first dollar defense.  is that all there is to it or is there some other purpose to having first dollar defense?  Any advice would be appreciated.

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