After getting in an accident with the truck, Fred thinks that he might have whiplash and Fred's friend Bubba convinces him that he can make big money off of the situation. Lamont is against the whole idea but Fred insists on going through with a lawsuit, but first Fred must identify the person the hit him.

Donna, Fred's fiancee, brings a patient, Osgood Wilcox over for dinner at the Sanford residence and it becomes apparent that Osgood is interested in more than just medical care from Donna. Meanwhile, Lamont encourages Fred to believe there is something going on between Osgood and Donna resulting in a confrontation.