The reason for such laws is that the classes of insured are deliberately engaging in activities that put others at risk of injury or loss.
Three points might be made: (1) The bulk of physicians would not deliberately engage in the self-serving activity you describe.
We therefore consider it unlikely that Chinese aircraft would deliberately engage the US over North Vietnam from bases within China.
I stepped forward again and deliberately engaged the blade.
Apart from the automatic tendency to recognise the emotions of others, one may also deliberately engage in empathic reasoning.
To the contrary, he deliberately engaged in this criminal conduct as he had on scores of other similar occasions.
I would like again to draw attention to the fact that he deliberately engaged in party-political debate within the United Kingdom, particularly in relation to Scotland.
"We've got to have some common sense, " Mr. Helms maintained in an interview, "about a disease transmitted by people deliberately engaging in unnatural acts."
- on a nominee for a federal job, 1993 "We've got to have some common sense about a disease transmitted by people deliberately engaging in unnatural acts."
Certainly, when corporations engage in fraud and deliberately deceive the public and the government, they deserve all the blame we care to heap upon them.