when roland copping be a child and he roll the dice with a stipulation that if it his number and his brother would have to ride on a river . if it his brother and then he will write it . a roll of the dice later and cop brother inadvertently do a header off a water fall and have be in a catatonic state ever since . a for roland and he become a claim investigator and and sure enough and with every roll of the dice and he be a menace to those range from his neighbor and passer bye and to the very people he investigate . and why be this . simple . his number come up . hitchcock always have a motive for his villain and stephin king even write reason why his insane creature and villain do what they do and roland cop chooses to be a jerk because . of a roll of the dice . that it . this somehow be to explain why he keep harass the main character in this movie and despite the fact that he defraud them and disprove their false claim and he still go after them . he go as far a to take their bmw just so he could rig up a remote control to it to harm a passer by . maybe i be not get something and and if i be not somebody explain it to me and but this movie make no sense . i only give it a three because collins surprise me with his act chop ( haven not see buster yet ) and can play a jerk very well . i just wish it make some sense .