Leo Lane hit a Rolls-Royce Phantom. The female owner offered a 500,000 check plus a Patek Philippe for a private settlement. In his previous life, manipulated by roommate Kai Miller, Leo rejected the settlement, leading to his ruin and delaying the owner's contract. Reborn, Leo refuses Kai Miller's manipulation, accepts compensation, exposes schemes by Kai Miller and rival Zane Zeller, helps the owner secure the contract, sparks her interest, and begins upward mobility.