This is ostensibly the story of a man's fight to defend himself and his family against three punks who have decided to make a target of him. What the story is really about is one of the problems with our legal system -- specifically the manner in which the police and the courts deal with juvenile criminals.
An independent insurance salesman named Tom Casey (Rob Lowe) is targeted by three well-to-do preppies that like to boost car stereos and trash other peoples' property for kicks. Casey observed the kids about to break into a car and reported their activities to the police. The cops arrive just in time to see the three breaking into Casey's car, with the head kid fondling a loaded revolver Casey kept under the front seat.
The cops arrest the trio of Yuppie larva for breaking into Casey's car and we learn that the head slime's mommy is a lawyer. A Rich Lawyer.
Casey, whose car has been completely trashed by the time the cops arrive, is arrested and charged with felony possession of a loaded handgun, for which he draws fifteen days in the lockup thanks to the truly lame defense offered by his brother-in-law.
Meanwhile, Mommy goes to Family Court and gets the charges against her Little Darling reduced to a wrist slap. Money fixes all, the kids walk away laughing and singing `I Love New York,' and get on with the serious business of harassing Casey's pregnant wife.
The remainder of the story unfolds in a fairly predictable manner, with so-so performances from the kids and a very good performance from Lowe.
The moral of this story seems to be, if you want something done right, do it yourself. If you want excuses, call the police.