Insurers actually have an uphill battle even when they want to fight coverage. The law in most states makes it harder for them than for any other person/entity trying to weasel out of contracts.
Just make sure you disclose everything asked for on the application, maintain the required underlying policies, pay your premiums, and give notice of accidents and you'll be fine. (as long as you avoid those things mentioned in your last paragraph!)
Just make sure you disclose everything asked for on the application, maintain the required underlying policies, pay your premiums, and give notice of accidents and you'll be fine. (as long as you avoid those things mentioned in your last paragraph!)