It would be accurate AND better sounding to say that Rick is correct ...
My wife and I are in the midst of a protracted dealing with our insurance company ... she has a legitimate claim, they are paying, but with reluctance and with great care ... knowing the wringer that you can be put through on a legitimate claim, I can only imagine what it would be like if our claim were based on falsehoods ... worse than how much more difficult it would make it, would be the realization that the insurance could be voided and leave us with an immense exposure that would simply ruin us ... it would be worse than having to live under a freeway overpass ... because of her condition, a voiding of the insurance would be a very real threat to MrsS life.
BTW ... while mine is a somewhat informed judgement based on my somewhat limited personal experience, Rick's is a highly informed judgement based on extensive professional experience. He IS correct.