On a busy New York City morning, a minor car accident on the FDR Drive involves a successful, young Wall Street attorney and a struggling insurance salesman. The lawyer, in a rush to get to court, offers a blank check instead of waiting for the police, but the salesman insists on doing things by the book. In the chaos, the lawyer accidentally leaves the scene with the salesman's important file, setting off a chain of events that escalates throughout the day.

Both men find their lives spiraling out of control in the aftermath of the accident. The lawyer's absence in court risks a crucial deal, while the salesman faces personal and professional crises without his lost documents. As they attempt to rectify the situation, their initial conflict becomes a deeper moral struggle, challenging their views on responsibility and redemption. Each man's desperate efforts to solve his immediate problems only compound the complexities of their entangled situation, pushing them to confront the consequences of their actions.