A rush-hour fender-bender on New York City's crowded FDR Drive, under most circumstances, wouldn't set off a chain reaction that could decimate two people's lives. But on this day, at this time, a minor collision will turn two complete strangers into vicious adversaries. Their means of destroying each other might be different, but their goals, ultimately, will be the same: Each will systematically try to dismantle the other's life in a reckless effort to reclaim something he has lost.

This film is made up of three segments that share no plot but have a general thematic relationship. In the first segment, Virginia and her three children are left by her shiftless husband and she is courted by an old beau who is now divorced. In the second, a divorced woman reacts to some unexpected revelations from her aged father. In the third, a childless, middle-aged social worker is swept into an affair with a young cab driver and finds herself pregnant.

Inspired by the exploits of New York's Guardian Angels, which began as a band of streetwise young people who formed an anti-crime subway patrol and went on to gain a national reputation and units in major cities around the country, this film unites three New York City youths as leaders of a citizens' patrol tackling gangs terrorizing merchants and local citizens.