The same could be said or implied for riding a bike without a helmet and have a head injury and have your claim denied for that fact!
The same could be said or implied for folks who are "vertically impaired" and operate a cycle on their tippy toes!
The same could be said or implied for anyone lowering their cycle so they can flat foot (only applies to vertical impaired folks)!
The same could be said or implied for driving a 840 lb. cruiser like a sport bike!
The same could be said or implied for towing a trailer with a motorcycle!
The same could be said or implied for driving on a rear tire with the cords showing!
The above, like your statement on using a CT as a excuse to deny a claim, are all assumptions and conjecture!
Unless one has definitive proof that a insurance denial has occurred (News Paper Article etc.) we add nothing to a debate except "what ifs"
About insurance companies! They operate on the business practice of " The losses of the few are covered by the premiums of the many"
Ride Safe