Fred takes the truck out to get coffee and, while sitting at the red light, is struck in the rear by a white man in a black Cadillac. Returning home, Bubba convinces Fred that the circumstances of the accident could lead to a big cash settlement if Fred is willing to claim that he has whiplash. Lamont is appalled by his dishonesty and is shocked when Fred starts making plans for money has hasn't even received. However, Fred is in for a disappointment when he finds that the police have arrested the man responsible who it turns out actually stole the Cadillac, meaning that Fred can't sue him.
—Jerry Roberts