The film opens with a sensational visual—a car strapped to a JATO rocket—before shifting to Michael Burrows, a former criminal profiler for the San Francisco Police Department. Shot in a documentary style, the story unfolds like the project of a film school graduate, tracing this troubled investigator as he retools his career after a hematophobia that once let a serial killer slip away. Driven by a dark fusion of Darwin Awards obsession and a knack for profiling, he hatches a controversial plan: help insurance companies spot people likely to end their lives by accident so those policies can be managed more carefully. His audacious pitch wins over a company manager, and he is paired with Siri Taylor, a specialist in unusual insurance cases, setting the stage for a road trip across the country.
Together, the pair delves into a string of infamous blunders that have become modern legends—cases like a JATO rocket car that screams for disaster, and a pair of ice-fishing enthusiasts who think dynamite can crack the ice until their dog retrieves the lit charge and races back to their brand-new SUV. As they chase these absurdities, Michael searches for a unifying thread—any factor that could explain why some people fail so spectacularly at life. Siri offers a running, if sometimes dizzying, monologue about the insurance world’s reflexive denial of claims, a perspective that adds a wary texture to their investigations.
The tension ratchets as Michael dodges becoming a real Darwin Award contender, a reminder of the very danger his unorthodox mission invites. A cold, desolate night finds the two stranded far from help; in a desperate bid for warmth, Michael tries to light a fire with gasoline, and his decision unleashes a dangerous explosion that rattles the car and their nerve. Siri later confronts him, accusing him of letting obsession eclipse judgment and endanger them both, a confrontation that tests trust and motive in equal measure.
Fate twists the narrative to its most perilous point when Michael discovers the home address of the killer he once helped escape, filming the crime figure from a precarious perch as he rappels down the side of a building. The on-screen film student makes his first appearance in this moment, dangling from the same rooftop as the killer, their ropes mysteriously entwined. A stone vase on the roof inches toward the edge, threatening a catastrophic fall, while the killer taunts them and cruelly slices open Siri’s hand in a bid to provoke Michael’s hematophobia. In a climactic surge of resolve, Michael overcomes his fear and confronts the threat, bringing a charged, hard-won victory over the serial killer.
