Martin finds an insurance payment in his pocket that he forgot to mail for Frasier months ago. Frasier panics when he realizes they cancelled his policy and his house is uninsured. Despite their disastrous date, he contacts Roz’s unstable agent friend Ann Hodges. When Ann stops by to do an inspection, she slips on a glob of mayonnaise and breaks her leg. Fearing a lawsuit, Frasier goes out of his way to accommodate her and allows her to stay at his apartment while she recovers.

After two days, Frasier is at his wits’ end with the whiny, co-dependent, trumpet-playing houseguest; he flips when she declares she’s staying another month. Desperate to get rid of her, Frasier books her on a cruise, but she interprets it as an act of love. He tries to play the game, but she finds a liability release and realizes his motives. Furious, she decides to sue. However, when Frasier begs and pleads, she is so turned off by his childish reaction that she signs the waiver.

Meanwhile, Maris gets out on bail until her murder trial and has to wear an ankle-tracking device. To raise money for her defense, she arranges for her artwork to be auctioned off. Niles retrieves an embarrassing piece from their marriage that was painted of him as Pan—the Greek god of fornication. In a plot to flee the country, Maris plants a suicide letter, knowing Niles will run to stop her. Her tracking device, attached to the painting, leads the police straight to Niles. They take the painting as evidence, much to Niles’ humiliation.

The next day, Niles finds a note from Maris saying that she shipped herself in a crate to a private island.