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.

Fred lands in the hospital after an accident in which Fred accidentally witnesses a murder attempt. With a guarded hospital room, Fred becomes suspicious of everyone since the real criminal wants him killed. However, Fred is after the reward money he'll get if he testifies despite putting his life on the line.