Wesley is getting a ride to soccer practice in his uncle Robs new car, which Wesley had helped him buy with some great advice about credit. Suddenly, Uncle Rob accidentally backs into a tree! No one is hurt, but Uncle Rob cant afford to fix his car because he doesnt have car insurance. Puzzled about insurance and what it is, Wesley begins asking questions. Fortunately for him, NFL Hall of Famer Terrell Davis is teaching kids about finance at the local childrens club. With Mr. Daviss help, Wesley learns what a premium is, how a policy works, what deductibles are, and how many things can be insured. After seeing Uncle Robs experiences, Wesley decides that having insurance for his lawn mower would be a good idea in case something bad happens to it. After all, thats how he earns his money! But will his insurance pay out when he breaks his lawn mower in an accident?