The book's title is derived from a lawyer who wins spectacular cases and earns huge sums in damages. Its protagonist dreams of becoming such a "rainmaker" – which comes true, but not in the way he expected. Rudy Baylor is a third-year law student at
Memphis State. During an outreach session for a class in elder law, he signs two clients. One is Miss Birdie, an 80-year-old woman who needs a revised
will drawn. The other is a poor family, Dot and Buddy Black, whose
leukemia-stricken son, Donny Ray, could have been saved by a
bone marrow transplant for which his
identical twin brother is a perfect match. The procedure should have been covered and paid for by their insurance carrier, Great Benefit Life Insurance, but the claim was instead denied. Weeks before graduation, Rudy loses his upcoming job after his employers are bought out by Tinley Britt, a powerful
Memphis law firm that represents Great Benefit. After failing to secure a position with another firm, Rudy is recruited by J. Lyman "Bruiser" Stone, a ruthless but successful
ambulance chaser with corrupt business dealings. To earn his fee, Rudy is required to hunt for potential clients at the local hospital and sign them up to personal injury lawsuits. He is mentored by Deck Shifflet, a less-than-ethical former insurance assessor who received a
law degree but failed the
bar exam six times. While studying for the bar exam in the hospital cafeteria, Rudy meets Kelly Riker, a beautiful teenage patient recovering from injuries inflicted by her husband, Cliff. Though they quickly fall for each other, Kelly is reluctant to file for divorce out of fear that Cliff might kill her if she did. Rudy continues to stay in contact with Kelly after she is discharged, providing support and encouraging her to break free of her abusive relationship. When Stone's firm is about to be raided by the police and the
FBI, Rudy and Deck set up their own private practice and represent the Blacks in their lawsuit against Great Benefit. Donny Ray dies just before the case goes to trial, and Rudy uncovers a scheme by Great Benefit to deny every
insurance claim regardless of validity. The company was playing the odds that the insured would not consult an attorney. The trial ends with the jury awarding the
plaintiffs an unprecedented sum of $50.2 million - a sensational verdict making the headlines and catapulting Rudy into the limelight. However, Great Benefit declares bankruptcy days after its parent corporation smuggles the company's assets out of the country, leaving it an empty shell. Ultimately, there is no payout for the grieving parents and no fee for Rudy, though Dot takes greater satisfaction in the belief that she put Great Benefit out of business. When Kelly is beaten again by Cliff during the trial, Rudy shelters her in a safe house for abused women and files for divorce on her behalf. As they both attempt to retrieve items from her old apartment, Cliff shows up and attacks them with a baseball bat, but Rudy manages to snatch the bat away and fatally wounds him in the struggle. Kelly instructs Rudy to leave and allows herself to be charged with
manslaughter. Rudy gets the charges dropped, but Cliff's vengeful family makes several death threats against both of them. With no remaining cases and the imminent threat of Cliff's family, Rudy and Kelly leave Memphis to begin a new life together, heading for someplace where Rudy – who has become disillusioned with the law – can become a
teacher, and Kelly can attend
college. ==Reception==