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And just because you pay premiums for years before you submit your 1st claim doesn't mean they have to pay.
Before adult I worked for some of the largest insurance companies in the world, AIG, State Farm, Berkshire Hathaway, and the first line of defense is to deny the claim based on false representations made in the application. Illegal or even questionable activity is an easy out for them.
Insurance companies are not your friend. I've seen numerous bad faith lawsuits filed vs carriers over failure to pay and even defend claims. Always have what is called Cumis Counsel on your side when dealing with insurance carriers.
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