In a world where people can win settlements, be sued, and have a hearing all in the span of a few hours, Addy and Malcolm face down the insurance company in the courtroom. The judge points out that Mia didn't object to any of the other changes to her policy. Addy protests those were minor changes. Had Mia known about the subrogation clause, she might have opted to switch to her husband's insurance. The judge asks Mia if she ever made an effort to switch. Mia has to admit she didn't. The judge finds in favor of the insurance company, although she's not especially happy to do so. Commercials!

Beth and Dylan return to the school where Charlie and his girlfriend are chatting on the lawn. Charlie introduces them. "I recognize you from your photo," Beth snarks with uncharacteristic coldness. The girlfriend looks down. Beth gives the girl a chance to explain: She's the one who took Charlie's phone and sent the picture to this other boy. She tries to explain she and Charlie were broken up that week, but Charlie is pissed. "You were just going to let me go to jail?" She hoped the problem would all go away. Charlie dumps her on the spot. On the upside, at least the charges against him will be dropped. The girl's worried about what her parents will think, but she's got even bigger problems: Dylan explains that in order to save Charlie, they have to tell the police she's the one who sent the picture. She could be brought up on child porn charges.

Hart, Addy, and Malcolm meet with Mia and Connor at the firm. Hart says what the insurance company is doing is unjust, but not illegal. He says Sterling will waive all its fees. Mia gets all fired up and says she doesn't want the insurance company to get the money. "I'd rather the bus company just keep it," she says. Everyone's confused. Mia explains that the bus driver made a mistake, but her insurance company is purposely screwing her over. This gives Addy an idea. Over in Beth's office, Dylan's getting an idea of his own. As he and Beth discuss fashion choices for the party (he prefers Beth's strappy heels over the open-toed snake skin pumps) he somehow comes up with a way to fix Charlie and the girlfriend's problems. He realizes that the teacher who picked up Charlie's phone went straight to the police and was therefore acting as an agent of the law. Charlie's phone was taken without a warrant. He and Beth grab their party clothes and race for the courthouse.