In which of the following situations would a homeowners insurer not be required to provide a defense for an insured
a. A lawsuit is filed against John, an insured, after he accidentally hit a neighbor's child in the head with a baseball.
b. A lawsuit is filed against Jeremy, an insured, after he drove to a house in another neighborhood and vandalized it.
c. A lawsuit is filed against Marsha, an insured, after a friend slipped on the loose carpeting and fell down the stairs, severely injuring herself.
d. A lawsuit is filed against Todd, an insured, after he cut a tree down in his yard and it accidentally fell on the neighbor's car as the neighbor was leaving for work.