Diana Sinclair endures an unthinkable nightmare when her beloved young daughter Mia is found dead in their home, quickly followed by reports of her husband's fatal highway crash. Left penniless and shattered, Diana later catches sight of her supposedly deceased spouse living in luxury alongside her closest friend, uncovering a depraved insurance homicide plot before they silence her forever.
Waking up in the past on the morning before the staged crash occurs, Diana retains every horrifying memory of the impending tragedy. Armed with foresight and chilling resolve, she begins swapping out forged policies and laying tactical traps to ensure her treacherous partner walks straight into the fatal fire he designed.
