The film opens with a car with a JATO rocket strapped to it. The movie then shifts to Michael Burrows, a criminal profiler for the San Francisco Police Department. Shot in documentary style, the film is ostensibly a dissertation by a film school grad that follows Michael throughout the story. Fired from the police force after his hematophobia allows a serial killer to get away, Michael wallows in a deep depression for several weeks before coming up with a way to combine his Darwin Awards obsession with his talent for profiling. He will help insurance companies detect people more likely to accidentally end their own lives, so they are not sold insurance policies. After impressing an insurance company manager with his profiling talent, Michael is paired up with Siri, a specialist in strange insurance cases.
Siri and Michael travel the country on behalf of the company, investigating several legendary examples of stupidity, such as the JATO rocket car. A pair of men attempting to ice fish become frustrated and use a stick of dynamite to blast a hole in the ice. The problem is their dog plays fetch with the lit dynamite and runs it back to their brand-new SUV. As they investigate the cases, Michael tries to pinpoint a common factor for these people. The only explanation is a confused monologue by Siri about insurance companies always denying claims and driving people insane.
Michael narrowly avoids becoming a Darwin Award winner throughout the movie. He and Siri are stranded in the middle of nowhere on a cold night. Desperate for warmth, he attempts to start a fire with gasoline, causing his car to explode. Siri later confronts Michael, accusing him of being obsessed with the Darwin Awards.
A twist of fate leads to Michael discovering where the murder suspect he originally allowed to escape now lives, as he videotapes the man in his home by rappelling down the side of the building. The film school student is seen for the first time as he, too, is hanging on the side of the building. The problem is his rope is the other end of the same one Michael is dangling by. The stone vase on the roof that the pair is anchored to starts inching closer to the edge. At the same time the serial killer taunts them while slicing open the captive Siri's hand, hoping to trigger Michael's hematophobia. But Michael is able to overcome his fear and defeats the serial killer.
What is strapped to a car when the film opens?
JATO rocket