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Impact of Assignment of Benefits on Carriers

  • March 22, 2018
  • 2:00 PM - 3:00 PM
  • PAMIC Online

Registration is closed

Webinar Focuses on the Impact of Assignment of Benefits on Carriers

As the use of Assignments of Benefits (AOBs) continues to rise, so do the challenges facing insurers who must address them. Join us on March 22, 2018,  for a webinar focused on the proliferation of assignments of benefits in first-party insurance claims in Pennsylvania.


Scott RybnyScott Rybny, Esq., Partner, Rebar Bernstiel

Michael ZimmermanMichael Zimmerman, CPCU, Vice President of Claims, Goodville Mutual Casualty Insurance Company


  • The financial impact of AOB’s on claim payments and premium;
  • The law’s treatment of AOBs in relation to the standard anti-assignment clause contained in the standard lines policy;
  • Dissecting an AOB – the language is the key; and
  • The impact AOBs are having on claims investigations and the insurer-insured relationship.


AOBs are a legal tool by which a third-party obtains some (or all) of the benefits due and owing to an insured under an insurance policy. AOBs have been used for many years, but it was not until the May 2012 hail storms that insurers saw a significant rise in their use in the Commonwealth of Pennsylvania. Contractors retained by policyholders to repair damaged property included language in their contracts that allowed the contractors to stand in the shoes of the policyholder and seek payment directly from the insurance carrier. Statistics from other jurisdictions suggest a link connection between AOBs and the amount/severity of claims. Even though Pennsylvania allows AOBs, often those are being used incorrectly or are unenforceable as written. The purpose of this webinar is to identify not only the potential pitfalls associated with AOBs, but to offer practical solutions to assist insurance carriers with their investigation and handling of matters where AOBs are used.

About the Presenters:

Michael Zimmerman has over 30 years in the insurance industry. Mike oversees a 23 person claim department handling claims in eight different states. He is president elect of the Pennsylvania Dutch Chapter of the CPCU and serves on the PAMIC Claims Committee.

Scott Rybny of Rebar Bernstiel. Scott is a member of the firm’s Insurance Industry Law Group, representing insurance carriers directly for his entire 18 year career. His practice has a particular substantive focus on property insurance, including both residential and commercial insurance. His experience also encompasses commercial general liability, D&O, fiduciary, commercial crimes and credit risk insurance. In addition to being a frequent presenter at PAMIC, Scott has also appeared as a paneling in seminars sponsored by the Insurance Society of Philadelphia, The Pennsylvania Defense Institute, the Defense Research Institute.

How to Join:

On the day of the webinar all attendees can launch the presentation by clicking here and completing a small download. 

Please register for the webinar if you are interested in attending. A link to the presentation will be emailed to participants prior to the event. We look forward to an interesting webinar on the Assignment of Benefits!

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