Your teenaged son is involved in a fight with a classmate. You notify your homeowners insurance company of the fight. Several months later, you receive a letter from an attorney representing the classmate which you turn over to your insurance company. Over a year after that, the classmate files a lawsuit against your son, which you forward to your insurance company. Then for the first time, your insurance company advises you that there is no coverage for the lawsuit because it involves an intentional tort which is excluded from the policy. What do you do?