Recent content by BensonBingham

It’s frustrating when a police report is missing, especially with the severity of your case. You’ve already done a lot by contacting the officer and providing the necessary details, but if there’s still no response, you might want to consider submitting a formal complaint with the police...

I’m sorry to hear about the challenges you’re facing. While the police report provides some details, it doesn't determine fault. If your statement wasn’t included, you can still provide it later, especially if there’s conflicting information. Regarding the footage, it's worth requesting the...

It can be frustrating when a police report is missing, especially when it plays a key role in your case. Unfortunately, if the officer chose not to write a formal report, there’s no way to compel them to do so now. While a police report can be helpful, it's not necessarily required to prove...

Insurance companies sometimes request additional information to verify claims, but they must also respect privacy boundaries. If your sister wasn’t involved or a witness, you have a reasonable concern about sharing her information. However, refusing may delay or complicate your claim. You could...

When an insurance company determines the value of a totaled car, they typically consider its "fair market value," meaning how much it would sell for in the open market before the accident. This estimate factors in details like the car’s age, mileage, condition, and make/model. Insurers often use...

If you’ve already paid for the repairs and the insurance company told you they would reimburse you, their refusal could be an issue. While insurance typically covers the ACV of a totaled car, a promise to reimburse repair costs creates a different obligation. Gather any proof of their promise...

It’s understandable to be frustrated, especially since fault was admitted. Insurance companies are expected to handle claims in good faith, and ongoing delays can be a sign of bad faith practices. Filing a complaint with the Department of Insurance is one option, though it may take time. You...

It’s a tough situation, and I’m sorry to hear about your injuries. Insurance agents are typically responsible for giving clear guidance about coverage, especially when safety is involved. If the agent didn’t inform you or your mother-in-law that limb removal was covered, and that contributed to...

This isn’t a silly question at all. Liability for injuries caused by animals can sometimes be complicated. Typically, pet owners may bear responsibility if their animals cause harm, but in this case, your situation has some unique factors. Since the cat is a rescue and your neighbor approached...

If you suspect your rates were increased unfairly, consider contacting your state’s insurance regulatory agency to file a complaint. They can investigate whether the rate increase complied with state regulations. You can also request a written explanation from your insurance company detailing...

You’ve already taken the right steps by providing video evidence to the police, which led to charges being filed against your neighbors. In this situation, it’s critical to inform your insurance company immediately about the false claim and provide them with all the evidence you have, including...

Parking lot accidents are tricky since police typically don’t get involved on private property. It’s good that you have witnesses and partial video footage. I recommend sharing the witness contact information with Progressive—they may help clarify fault. You can also follow up with the...

While attorneys are prohibited from directly lending money to clients in most states due to ethical rules, clients facing financial hardship during a workers' compensation case often have other options. Some attorneys may work with third-party lending companies that offer advances against future...

It sounds like your employer is following a common practice by asking you to cover the premiums while you're out. Many employers require employees to pay premiums directly if they’re not receiving regular paychecks, especially when on workers' comp or other extended leaves. It’s worth...

Accepting payment from the other driver's insurance company could affect your ability to pursue further claims, depending on the terms of the settlement. In many cases, signing a settlement agreement would release the insurance company from any future liability, which could limit your ability to...