The main focus of the movie, "The Rainmaker" involves Rudy Baylor in assisting Mrs. Dot Black with her leukemia-stricken son Donny Ray. This was a negligence law suit and in order to win, Rudy Baylor and his associate Deck Shiffler needs to prove four points. They needed to prove duty of care, breach of duty, causation and damage. .
Mrs. Black has paid all of her insurance bills and thus is entitled to health insurance provided by her insurance company, Great Benefit. However, Great Benefit breached their duty and failed to do their duty by refusing to pay for the costly transplant procedure. Her request for a claim had been denied eight times with the final letter saying "You must be stupid, stupid, stupid" because of her relentlessness. The cause in effect which was the direct line was that Mrs. Black's son Donny Ray was dieing because of leukemia. And the proximate cause which was the foresee damage was that Donny Ray was eventually going to die because of leukemia. The last point needed to be proven is damage, and it was easily proven because during the trial Donny Ray was already dead. .
The insurance company, Great Benefit had tried to change it to a negligence tort, that the leukemia had been done by some other cause. Great Benefit defends itself on the grounds of a variety of blatantly bad-faith reasons: Claiming that the leukemia was a preexisting condition, and that Donny Ray is an adult emancipated from his parents and thus legally responsible for himself. Stated that the policy covered only household members, and included the supposed fact that bone marrow transplants are experimental. Also, they stated the fact that the Black's health plan didn't cover experimental procedures at the time. In order to counterattack, Rudy Baylor counteracts all the defendants" arguments showing the faults in each argument as well as the other half of the story left in the shadow by Great Benefit.