A woman whose lover died moments after ending their affair, the man's grief-stricken wife, and a suspicious insurance investigator collide in the face of deceptions that threaten all of their lives. Joe ends his affair with Dorrie just moments before their car skids off an icy road in a blinding snowstorm and hits a tree. Desperate to keep her life intact, she walks away from the wreckage ... and now someone is calling on her dead lover's burner...