As a child Frank McKlusky (Sheridan) watched his daredevil father ""Madman"" McKlusky become comatose in an ill-fated motorcycle stunt. Now as a risk-avoiding adult he lives with his parents always wears protective gear and works by the Claims Investigator handbook. Insurance fraud wiped out the family finances but Frank's career compensates. When he suspiciously loses his partner on the job Frank must become a master of disguise take on a sexy new partner and grab evidence to bus