Ernie, an experienced logger from rural Washington State, loses his job when the logging operation he works for is shut down due to the spotted owl. When he goes in to apply for unemployment, Ernie is persuaded to take a job out of state as a temporary insurance adjuster in Los Angeles. While he knows that Los Angeles will be a lot different than Sedro Woolley, Washington, and insurance adjusting a lot different than logging, really, how hard can it be? And there are lots of downed trees in Southern California after the recent earthquake and storms they had there. So packing up his trusty chainsaw in his saddlebags, Ernie hops on his motorcycle and heads south. But to his dismay, Ernie discovers that LA is a lot farther from Washington in more than just miles. Unprepared for the corruption and callousness rampant in the insurance industry, Ernie soon finds himself not only in trouble with his job, but on the top of an assassin's hit list. Still, although Ernie might be a hick from the sticks, he's far from stupid. Blessed with an innate intelligence, an abundance of common sense, and a redneck sense of humor, Ernie will give his enemies a hilarious run for their money...if he can just survive long enough.