Doug rear-ends Kelly and Deacon's car and he and Carrie insist that they personally pay for the damage so they can leave the insurance company out of it. But, when the Palmers give them an estimate of almost twelve hundred dollars, Doug and Carrie are taken aback, and what started off as a nice evening out with friends turns into two couples complaining about each other's cheapness. Meanwhile, Spence is babysitting Kirby and goes from being the "Spencinator" to the "Scaredinator" once Kirby finds out that he is allergic to peanuts.