Synopsis by Hal Erickson
Saturday Night Live's Julia Duffy returns in the role of Ann, a beautful but gauche insurance agent with whom Frasier (Kelsey Grammer) had had a disastrous date a few episodes back. Somewhat surprisingly, Frasier is now cozying up to Ann, hoping to get back in her good graces. What the audience knows (but Ann doesn't) is that Frasier is merely trying to wangle a price break with his life insurance. The scheme backfires when Ann suffers an injury in Frasier's apartment, forcing our hero to wait on her hand and foot for fear of a costly lawsuit. Elsewhere, Niles (David Hyde Pierce) courts a lengthy prison term -- or at the very least, public humiliation -- by agreeing to help an incarcerated Maris.