A young couple gets so caught up in their sexual games and role playing that they begin to act them out in public with dire consequences.
Michelle Keys and Peter Hill are two strangers in Toronto who meet in a car accident. They both sustained only minor injuries, but they both filed lawsuits against each other. Soon their business relationship leads to romance as their attraction to each other turns into a bizarre game of sexual escalation, with each encounter becoming more perverse.
In their background stories, Michelle is a psychoanalyst married to an indifferent businessman named Frank Keys, who is always out of town on business trips. Peter is single and works as an art professor at a local university while remaining in close contact with his artist father, Clarke, whom Peter attends exhibitions of Clarke's paintings in art galleries.
Michelle and Peter buy a car to replace their respective cars damaged in the accident, and soon begin playing various roles to stimulate their growing relationship. Peter plays Michelle's husband at one point while she plays roles in confessing to him about her extramarital date. Soon the sex games become darker when Peter tells Michelle to go to a local restaurant and wait for him. Peter introduces himself as a thief who arrives to rob the place and takes Michelle as his hostage, causing him to have rough sex with her in a tunnel.
Michelle and Peter's games stop when Peter tells Michelle to dress like a prostitute and wait for him to pick her up for another sex match. But the game goes terribly wrong when Peter is delayed at work and Michelle is arrested by an undercover police officer who thinks she is a prostitute. With Peter unreachable, Michelle is forced to call her husband, Frank, to bail her out and is forced to tell everything about her affair and her games with Peter. Frank moves out and Michelle ends her affair with Peter.
A few months later, Michelle and Peter end up at Clarke's funeral where Peter wants to resume their sexual games now that Michelle is divorced. Instead, she forces Peter to prove his love to her by getting married. Peter agrees to marry Michelle, but backs out on her wedding day out of insecurity and fear of commitment.
The distraught Michelle shows up at Peter's house and resumes their games where the two try to hurt each other physically, which becomes darker and more twisted. This leads Michelle to run away in her car and Peter to chase after her in his car. In a final game, they both try to reenact the car accident that brought them together in the first place and this time they deliberately bump into each other and the screen turns black - leaving it ambiguous as to whether either of them will survive the impact.
