Toby Mastallone (Jami Gertz) wants to trade her local diner for upmarket dates in Manhattan. But what is a New Jersey schoolteacher who longs to look 'like a city girl' to do? Ever resourceful, she decides to collide her battered VW into the brand new Mercedes belonging to Sal (McDermott). Will her plan work? What secrets are hiding beneath Sal's slick yuppie exterior? And what will her loyal friends say?