In the middle of the night, Tom Leroy calls the emergency services to say that he has had a road accident and that his wife is stuck in the fiery wreck. When emergency services arrive, his wife is already dead.

A month before the accident, Tom and Linda try to get a new loan to save Linda's tanning salon. The bank refuses the loan and threatens to seize their house and other assets if they don't repay their outstanding debt soon.

A few days before the accident, Linda has thought everything through and has a plan to get out of trouble.

The day after Linda's funeral, Tom discovers that Pierrot, a drug addict, has reported a suspicious disappearance at his police station.

The noose tightens around Tom. Cathy, an insurance broker, and Stéphane, a police officer, trace the trail taken by Philippe.

After being placed in police custody, Tom is interrogated by the French gendarmes. The interrogation is led by Roger, the major of the gendarmerie, who has defended Tom from the start.