An assignment of benefits permits a third-party, like a roofer, to "stand in the insured's shoes" and go after the insurer for direct payment, but homeowners don't always realize what, precisely, signing an AOB means.

When you make up bills hoping to get paid.

When the stolen vehicle was actually repossessed.

When the burned vegetables aren't the result of an inept chef.

When a company uses two sets of books in order to pay lower premiums for workers compensation premiums, the discovery of such often results in charges of insurance fraud.

When the supposedly burned property didn't exist or wasn't in the building.

It's deer season, and time to consider auto accidents involving deer and coverages available.

When you get caught forging documents you don't get paid.

Florida's Office of Insurance and Regulation issues an emergency order regarding cancellations and nonrenewals.

The collisions and injuries have to exist on more than just paper.