54 pages • 1-hour read

The Crash

Fiction | Novel | Adult | Published in 2025

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Part 2Chapter Summaries & Analyses

Part 2: “The Day Before the Crash”

Part 2, Chapter 20 Summary

Content Warning: This section of the guide includes discussion of death, illness, mental illness, child abuse, suicidal ideation, and substance use.


Polly narrates Part 2, which begins two days before Tegan’s crash. Polly hasn’t had much to do since she left her job after an event that she refers to as “The Incident.” Hank works at the auto shop they own, and Polly and Hank’s cabin is isolated, with only one neighbor within a mile: Mitch Hambly and his seven-year-old daughter, Sadie.


Polly lets Sadie come over after school, even though Mitch doesn’t want her to. Today, Sadie appears underfed and unbathed. She also has bruises on her body. Polly concludes that Mitch is an abusive father. She has called Child Protective Services in the past, but nothing changed.

Part 2, Chapter 21 Summary

Polly’s mother died from battling aggressive breast cancer. Polly misses her terribly but senses her spirit’s presence in the basement. Polly receives a call from Angela, another nurse at Roosevelt Memorial hospital who was her close friend for 13 years. Angela tells Polly that she is pregnant, and the news comes as a blow to Polly. It hurts her every time another friend conceives. She feigns excitement and congratulates Angela, but afterward, she blocks Angela’s phone number and doesn’t plan to speak to her again.


Shortly after, Mitch comes over, drunk and furious. He shouts at Polly to stay away from Sadie, saying that she’s the last person he wants around his kid because she “went to the crazy house two years ago” (118). He says that he’s going to teach her a lesson as he grabs her wrist.

Part 2, Chapter 22 Summary

Before Mitch can hurt Polly, Hank shows up. He warns Mitch, who’s clearly afraid of him, to stay away from his house and his wife. Polly is relieved, but she worries that Mitch will take his anger out on Sadie instead. Hank insists that Polly stop interacting with Sadie, and seeing that he’s scared for her safety, Polly agrees. She thinks about what a good father Hank would be and blames herself for the fact that he won’t get to experience fatherhood.

Part 2, Chapter 23 Summary

After the incident with Mitch, Hank goes back to work at the auto shop for a few hours. He comes home during the blizzard with the injured Tegan. Polly tells him that the phone and power are out and that there’s no cell service. Hank explains to Polly that Tegan seems to be afraid of him. Polly is filled with envy when she realizes that Tegan is pregnant.

Part 2, Chapter 24 Summary

Polly’s mother knew about Polly’s infertility problems but believed that her daughter would eventually have children. Polly remembers what her mother told her shortly before her death: “Someday, your family will be complete” (128). When Tegan asks for pain medication, Polly thinks about the prescription pills left over from her mother’s illness and how she once thought about using them to kill a woman whose life had fallen apart.


Polly looks through Tegan’s purse before bringing it to her. It reeks of whiskey from the spilled flask inside. That, along with the lighter also in Tegan’s purse and her request for pain pills, leads Polly to think that she’s drinking, using drugs, and smoking while pregnant. Polly believes that Tegan is untrustworthy, and she doesn’t want the girl to have a weapon she can use against them, so she takes Tegan’s pepper spray. She takes Tegan’s cell phone too, though she isn’t sure why.

Part 2, Chapter 25 Summary

More details emerge about Hank and Polly’s efforts to have children. They tried for eight years, spent all their money on three unsuccessful in vitro fertilization cycles, and had an adoption fall through at the last minute. Hank worries about Polly being around pregnant women and the effect it will have on her. Polly feels like ever since “The Incident,” Hank has seen her as fragile and expects her to “crack” again.

Part 2, Chapter 26 Summary

The pills that Polly offers Tegan are just Benadryl, not Dilaudid as she claims. She’s relieved when Tegan decides not to take them after all.


After the failed adoption, Polly had depression. Still, she thought she could handle it when she was assigned an overnight shift in the hospital nursery. Instead, she did something that got her fired and could have sent her to prison. As a result, she and Hank were removed from adoption eligibility lists. On the first night of Tegan’s stay, Polly decides that she and Hank will have a child very soon.

Part 2, Chapter 27 Summary

The phone lines are still down the next morning, but Hank tells Polly that he can drive Tegan to the hospital using the snowplow attachment for his truck. Polly lies to him, saying that Tegan is in too much pain for them to move her and wants to wait. Hank accepts this development, but Polly expects that he won’t be okay with the fact that Tegan is still there by that night. Polly feels sure that Hank will do whatever she tells him to do, though, because he doesn’t have a choice.

Part 2, Chapter 28 Summary

Polly adds crushed Benadryl to Tegan’s lunch, causing her to sleep all afternoon. She admits to herself that she has no intention of ever taking Tegan to the hospital. From the window, Polly can see Sadie’s house and notices that Mitch isn’t home. She assumes that Sadie’s school is closed due to the snow, so Sadie will be at home. Worried that the girl will go hungry, Polly brings her a sandwich and cookies. Sadie says that she isn’t allowed to let Polly in, so Polly leaves the food on the porch for her.

Part 2, Chapter 29 Summary

When Hank comes home that night, Polly lies and says that the paramedics picked Tegan up. Once he’s showered and is eating dinner, she tells him that Tegan’s actually still there. She insists that Tegan is better off recovering where she is than going to the hospital because her ankle isn’t broken, only slightly sprained, and she doesn’t have insurance. Despite her justifications, Hank disagrees. He begins to call for paramedics, but Polly yanks the phone cord out of the wall and breaks the phone. Hank says that he’ll just call from his cell phone. He adds that afterward, they should call Dr. Salinsky, whom Polly refers to as her “former shrink.” Polly threatens that if he does, she’ll call the police and tell them what he did.

Part 2, Chapter 30 Summary

Hank’s response doesn’t reveal what he did, only that it was Polly’s idea, but that he’d probably go back to prison anyway. He once served two months for assault after punching a man who was inappropriate with Polly and vowed never to go back. Polly makes a deal with Hank to let Tegan stay three more days. She says that if Tegan wants to leave before then, they’ll let her. Hank gives in but says that three days is a firm limit. Polly feels sure that she’ll get him to change his mind by then. After all, she’ll still have the same leverage she’s using against him now.

Part 2 Analysis

Part 2’s switch to Polly’s point of view is part of a structural pattern that puts character interiority and motivation at the story’s forefront. By overlapping with Part 1’s timeline, this first switch between narrators allows for comparison of the two women’s perspectives of the same events. Tegan is suspicious of what Hank and Polly have told her, like the story of converting the basement for Polly’s sick mother. However, when the narrative switches to Polly’s point of view, it is revealed that this is completely true. This confirmation becomes a subtle form of misdirection common to psychological thrillers, as Polly appears honest and sincere. This assumption is immediately called into question with Polly’s phone call from Angela: It comes on her cell phone, though in Part 1, she tells Tegan that they don’t get cell service there. However, Angela calls before the blizzard, and right after the blizzard, Polly tells Hank that the cell service is out along with the phones and power. Whether Polly used language that made Tegan think they never get cell service to manipulate her without actually lying or whether Tegan’s perception of Polly’s message misled her is left unclear. This develops the book’s message about Perception Versus Reality and the Dangers of Presumption, leaving Polly’s motives and character ambiguous, as well as adding mystery and suspense.


Tegan’s perception of Hank’s character in Part 1 and its juxtaposition with reality in Part 2 becomes another prime example of how Tegan’s perception diverges from reality. Polly’s narrative interpretation of him is the main source of his character development in Part 2. While her descriptions of his physical appearance are similar to Tegan’s—“Hank is the sort of man who if you saw him in a dark alley, you’d run the other way” (111)—she clarifies that in truth, he’s not a violent man and would never hurt her. She provides depth to his character by adding that his general nonviolence goes out the window when it comes to protecting her. Nevertheless, Polly calls Hank “the best man [she’s] ever met” (123), and her portrayal of him discredits Tegan’s assumptions.


As for Polly, her actions and inner thoughts are the main sources of characterization in Part 2. Her interactions with Sadie show her to be nurturing and kind, and she reinforces this with the way she cares for Tegan, who admires Polly’s nursing skills and bedside manner. The details of Polly’s history with infertility, and those of what she calls “The Incident,” are mostly withheld at first. McFadden sprinkles tantalizing allusions throughout these chapters, each one revealing a bit more of what happened and further explicating Polly’s motive. Her response to Angela’s call and her envy of Tegan when she first sees that she’s pregnant are clues to her intentions. Ending her 13-year friendship with Angela and blocking her calls is an unexpectedly strong response that pushes back against the development of her character as ubiquitously nurturing. It demonstrates how intensely the subject of pregnancy affects her and how much she prioritizes her emotional needs regarding motherhood over the feelings and rights of others. These events foreshadow Polly’s plan to take Tegan’s baby and support the theme of The Complex Ethics of Rationalization by showing how intensely invested she is in motherhood and how she feels about someone, even a good friend, who has what she feels she is lacking.


However, this idea is also complicated by the fact that Polly’s guilt over preventing Hank from being a father is another factor that influences her choices; she feels that she owes it to him to bring a child into their lives. Her cherished relationship with her mother, as shown through Polly’s memories, contributes to the importance motherhood holds for her. McFadden immediately complicates this issue again, however, when Polly alludes to past thoughts about using narcotics to kill a woman whose life had fallen apart. This revelation creates the sense that she is dangerous, even to the point of considering murder, although this characterization will be complicated in later chapters. In Part 2, the reveal of all this information creates a nuanced portrayal of her character and motivation, developing her yet leaving questions of her morality still in doubt.


Polly’s conflict with infertility takes on both internal and external components, and both develop the book’s theme of The Psychological Influence of Maternal Instinct. Years of failed attempts to have a child have traumatized Polly, leading to depression and suicidal ideation. These stressors triggered “The Incident,” after which she lost her job, spent time in a psychiatric hospital, and was removed from adoption lists. Altogether, the consequences of Polly’s infertility led her to a state of irrationality and desperation in the dramatic present. By the end of Part 2, Polly has been developed into a complex character with human flaws and failings, but she is also somewhat morally ambiguous and desperate, making her both unpredictable and dangerous.

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