Roy "Tin Cup" McAvoy (Kevin Costner) is a former golf prodigy who has little ambition. He owns a driving range in West Texas, where he drinks and hangs out with his pal Romeo Posar (Cheech Marin) and their friends. Dr. Molly Griswold (Rene Russo), a clinical psychologist, wants a golf lesson. She asks Roy because he knows her boyfriend David Simms (Don Johnson), a top professional golfer. Roy is immediately attracted to her, but she sees through his charm and resists.
Simms shows up at Roy's trailer ahead of a local benefit tournament. Roy thinks he is being invited to play, but Simms actually wants to hire him as a caddy (since Roy knows the course). During the round, Roy needles Simms about "laying up" instead of having the nerve to take a 230-yard shot over a water hazard. Simms fires back that Roy's problem is playing recklessly instead of playing the percentages. Roy brags that he could make it, and spectators make bets among themselves. Simms warns Roy that he'll fire him if he tries, but Roy does anyway, hitting a brilliant shot onto the green. Simms immediately fires Roy.
To get even, Roy decides to try to qualify for the U.S. Open. He makes a play for Molly, also seeking her professional help. Molly agrees to help Roy rebuild his self-confidence in exchange for the golf lessons. In two qualifying rounds, with Romeo as caddy, Roy's game is excellent but his head needs help. He continues to resist playing safely, smashing most of his clubs in a fit that causes Romeo to quit. He still manages to qualify. He loses his car on a bet with Simms. He persuades Romeo to caddy again, but develops a problem with his swing. On the first day of the tournament in North Carolina he shoots a horrible 83. Meanwhile, Molly sees Simms' unpleasant side when he arrogantly refuses a child an autograph.
Seeing that trying to change Roy is a mistake, Molly encourages him to be himself. At her suggestion, Roy wins another wager with Simms, the leader after the first round. Then with renewed confidence, "Tin Cup", a nobody from nowhere, shocks the golf world with a remarkable second round of 62, making the cut. His third round is also excellent and moves him into contention. But on all three rounds, he refuses to lay up on the par-5 18th hole, hitting the ball into the pond.
On the last day, Roy, Simms, and real-life PGA Tour pro Peter Jacobsen (playing himself) are in a three-way battle to win the Open. Jacobsen finishes with a par on 18, tied for the lead with Roy and one shot ahead of Simms. Simms yet again lays up at the 18th hole, playing it safe, although this takes him out of championship contention. Romeo urges that he do likewise to save par and force a playoff but, urged by Molly to "go for it", he takes his fateful shot. It reaches the green, but then "a little gust from the gods"—a sudden contrary wind—starts his ball rolling back, downhill into the pond. Reminiscent of his blow-up back in college when he failed to qualify for the Tour, Roy tries repeatedly to hit the same shot, with the same heart-breaking result. In the end Roy risks not only humiliation but also disqualification for running out of balls. But he still goes for the green, and on his 12th shot, his last ball clears the water—and slowly rolls into the hole. After a wild celebration, Roy finally realizes what he has done and feels ashamed, but Molly assures him, "Five years from now nobody will remember who won or lost, but they're gonna remember your 12!"
Back in Texas, Molly tells Roy that because he finished in the top 15, he automatically qualifies for next year's Open. Molly further suggests that Roy go back to the qualifying school and get on the Tour. Molly, who gained several clients at the tournament, prepares for a career of helping players with the mental portion of the game. They kiss passionately as the movie ends.

Question: To whom did Roy lose his car to in a bet?
Answer: Roy lost his car to Simms.
Alternative answer: Simms.