When backdating coverage is more trouble than it's worth.

When your accident staging stills are bad and also caught on film.

You have to add the vehicle before you have the accident, not after.

When Fido didn't go to the vet quite that often.

When no repairs were completed.

When ALE isn't really needed.

When the lawnmowers really weren't stolen.

When the jewelry wasn't stolen as often as claimed.

Altered repair invoices and damage doesn't match claim.

When there seems to be smoke but no fire.