Insurance agent Abe Holt (Forest Whitaker) is investigating the suspicious death of the driver of a burned-out car. Holt has to work out whether the dead man, a conman with a criminal record, could possibly have been the victim of an attempt to swindle the insurance company. When he meets Isolde (Julia Stiles), the dead man's sister, whose face is disfigured by severe scars, Holt slowly begins to lose his professional distance.