Insurance companies are going to go after the premiums they receive. If there comes a payoff & the driver is found to be unqualified, incompetent, etc., the insurance may be able to wriggle out out of it.
When it comes to underwriting and policy inception, insurance companies have due diligence obligations.
When insurers provide policies to illegals who can’t speak English, have other issues, insurance companies need to be sued into penury.