The Darwin Awards

The film opens with a car strapped with a JATO rocket, signaling the movie's appetite for extreme risk. The stunt establishes the Darwin Awards aesthetic that will thread through the story. Its spectacle foreshadows the dangers Michael will confront as a profiler turned investigator.

We are introduced to Michael Burrows, a criminal profiler for the San Francisco Police Department. He is fired after his hematophobia lets a serial killer slip away, plunging him into weeks of depression. The setback motivates his later pivot to a new kind of profiling for insurance investigators.

Michael conceives a plan to combine his Darwin Awards obsession with profiling to help insurance companies flag risky applicants. He pitches the concept to an insurance manager and demonstrates his talent for pattern spotting. The idea marks a risky shift from policing to risk assessment.

Impressed by his performance, the insurer pairs Michael with Siri, a specialist in strange insurance cases. They begin traveling across the country to tackle unusual risk scenarios. The odd couple dynamic hints at both comedy and tension to come.

Michael and Siri crisscross the nation, investigating legendary acts of stupidity, including the JATO rocket car. They document patterns of risk and discuss why insurance claims are denied. The cases frame the central question of whether there is a common factor behind reckless behavior.

In one early case, two men ice fishing attempt to blast a hole in the ice with dynamite. Their dog fetches the lit dynamite and returns it to their SUV, turning a risky idea into a dangerous disaster. The episode underscores how small miscalculations can have catastrophic consequences.

As they interview dozens of cases, Michael tries to pinpoint a common factor behind the stunts, while Siri bluntly notes the insane loop of insurance-denial culture. The dialogue sheds light on their growing dynamic and the ethical gray areas of their work. The tension between intellect and obsession deepens.

A cold night strands them in a remote location. In a desperate bid for warmth, Michael tries to start a fire with gasoline, and the attempt ignites their car, leaving them stranded. Siri later confronts Michael, accusing him of being consumed by the Darwin Awards.

A twist leads Michael to the murder suspect's home, and he begins videotaping the man from the building. The film school student appears for the first time, hanging on the side of the same building with his own rope. The tension escalates as the two become entangled in a dangerous surveillance setup.

The rope unexpectedly connects the two climbers, as Michael and the film student are on opposite ends anchored to the same line. The stone vase on the roof edge inches toward the edge, turning the moment into a life-or-death standoff. The serial killer taunts them from above as the danger escalates.

The killer taunts them and slices Siri's hand, hoping to trigger Michael's hematophobia and derail him. The moment raises the stakes as fear threatens to overwhelm him. Yet the tension also foreshadows his ultimate breakthrough.

Michael summons his courage, overcomes his fear, and defeats the serial killer in a climactic rooftop confrontation. The rescue also resolves his personal arc, proving that his obsession can be tempered by growth. The film closes on a note of triumph amid the danger.