When Laurel Appelbaum gets a call at work from the local hospital informing her that her unemployed husband Doug has been in a serious car accident, she is in shock. Summoned immediately to his bedside, she doesn t know in what condition she will find him. As she rushes to the ER, her mind is full of dire thoughts of this abrupt and unpredictbale end to her marriage...that is until she remembers the large life insurance policy they are carrying in his name.    Suddenly Laurel can t help but imagine what a life on her own might look like...a new little cottage perhaps, the dog she has always wanted but can t have because of Doug s allergies, and the money to travel to see their only son. By the time she arrives she is ready to assume the role of grieving widow, only to find Doug sitting on a gurney, annoyed that she has taken so long to come pick him up. All of th