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LIFE MAY SEEM HEAVENLY if you're a good-looking, well-heeled partner in a successful New York law firm who was once a world tennis champion. Add a wonderful wife who's one of the best appeals lawyers in town, and what could spoil your day? In Bill Andrews' case, it's boredom. He's fed up with his lucrative specialty, insurance defense, and he wants some excitement. Beware of what you wish for. His excitement begins with a gourmet baker who loves to brag telling folks that he has a $3-million auto insurance policy. A scammer who hears of it stages an accident, seriously injuring his uncle, by backing up at speed into the baker's car. The scammer's lawyer doesn't know that--and it's his first big case. Then Bill, who's representing the baker's auto insurer, runs into a judge who hates all insurance companies but especially this one, which he believes once treated him very badly, and he'll do everything he can to turn Bill's life into a nightmare and make sure he loses the case. Will Bill find a way to outsmart this reckless judge and win the case? And will he still be bored at the end of it?