Jill Thompson (Daphne Zuniga) lost her husband ten years ago, leaving her little except debts. Insurance agent Mike McCoy tells her that her husband had actually died a week earlier. She discovers that he lived a life of comfort and secrets. Shelby (Lisa Ryder) is her lawyer friend.
It makes no sense that she would trust Mike or not call the cops after the various incidents. At the very least, an insurance agent would want whatever money as a matter of good business. Even an honest agent can't be on her side. She's too stupid. In these movies, the protagonist never calls the cops. That's bad writing. The turn is not inevitable but it's not compelling. As for the ending, her car makes no sense unless the girlfriend sabotaged it. In which case, he wouldn't know that and his slow walk would make no sense. It's a bunch of non-sense anyways.