 The second involves a city bus and insurance adjustor Abe Holt (Forest Whitaker), who has arrived at the scene suspicious that many of the passengers boarded the bus after the accident, looking to file a claim.Holt bluffs, claiming a hidden camera will help sort out who was actually on the bus.Many leave, and his co-worker (Peter Coyote) quickly tells him their company wants him to investigate a crash in the remote and desolate town of North Hastings, Minnesota.