Ben accidentally drives into Mr. Casey, the neighbour whose dog he previously ran over, and he ends up in hospital. The Police decide to take no action, but Ben wants Mr. Casey to sign a disclaimer so he cannot later be sued. Mr. Casey then spends his time recovering in Ben's house with Ben trying to persuade him to sign the disclaimer. However, Mr. Channing, from the insurance company tells Ben he believes it is a scam and Ben then tries to catch Mr. Casey out. However, in the process he sits fire to his bedroom and they then have to make a deal so both can claim insurance. Meanwhile, Susan and Kenzo are in Scarborough for a week with Grace.