> A lot of them go out of their way to say no to as much as they can, and you need to fight with them to get them to change their decision.

I am aware of that; I'm pointing out that their being able to say no (rather than the cheque being valid by default and claim being paid out without the insurer's involvement, and the insurance company having to go to court to recover the money after the fact) is fraud, precisely because it enables them to "say no to as much as they can".