Going over the Insurance Mileage Limit...?

I am surprised no one worries about the loophole a mileage limited policy could create. What if you ran into a van full of doctors, were sued for millions, and the insurance company's investigation found you had driven 10,000 miles on your 3,000 mile per year policy? I have no idea what the legal ramifications are, but at the very least I would lose a lot of sleep wondering what was going to happen. At some point I am reasonably sure they could deny coverage citing a fraudulent application. I would do a whole lot of due diligence before I would take on a policy where I know I am going to operate outside the specified terms.
I am also curious, how much actual money are you going to save?