Josh's life spirals into a tailspin after he's hit by a drunk driver. He gets medical disability but it's far short of the insurance settlement that never seems to come. His mother Annie laments as she watches Josh drift along for years, making one bad decision after another. Just when it looks like the insurance settlement will finally come, out of the blue a gold-digger claims her seven-year-old is Josh's daughter. When the truth comes to light, will Annie discover a treasure more valuable than she could have expected?