Fraudulent car accidents is a multi-million dollar racket, involving unscrupulous medical providers, personal injury attorneys, and the cooperating passengers involved in the accidents and who also receive a portion of the illegal proceeds. Such is the fate of newly engaged Nathan and Shari, whose joy is tempered by the dark cloud of mounting debt. A chance encounter with a stranger in whom Shari confides her troubles proves fortuitous: he tells her of a get-rich-quick scheme that will put her and her fiancé on easy street. Seduced by the chance to move from hard times to good times in no time, she finds herself acting as a stuffed passenger, the victim in a staged auto accident. Shari gets her payday, but getting out and breaking free of the insurance fraud underworld will take nothing short of a miracle. This is a modern day cautionary tale that uncovers how the innocent get lured into the scheme of cappers and hammers.