Terry "Hulk" Hogan stars as R. J. "Hurricane" Spencer who is an ex-Navy S. E. A. L. and confirmed bachelor struggling to make ends meet. In order to save his superboat THUNDER (and ultimately, his business) Spencer is forced into a marriage of convenience with the snobby Megan Whitaker. When Megan gets kidnapped it's up to Spencer and his partner Bru to save the day or risk losing everything.
Racist police officer Jack Moony has a vendetta against Napoleon Stone, a charismatic black lawyer who is sleeping with Jack's old flame Crystal Gerrity. Jack has a heart attack, but his life is saved when he receives Stone's heart, since Stone died mysteriously the same night as Jack was stricken. Stone is not completely gone, however, and as a ghost he is all too happy to give Jack advice on how he should do his job and live his life.
Passing through a small Georgia town on their way to Florida, four young college girls witness a woman murdered. They try to escape before he murders them, too. But no one will believe them.