54 pages • 1-hour read

The Crash

Fiction | Novel | Adult | Published in 2025

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Part 4-EpilogueChapter Summaries & Analyses

Part 4: “Four Days After the Crash”

Part 4, Chapter 55 Summary

Content Warning: This section of the guide includes discussion of death, rape, child abuse, and substance use.


When Tegan wakes up in the morning, she is fevered and hallucinating that Simon is there. Polly insists on removing the boot from Tegan’s left foot, which she can no longer feel. Her foot and calf are very swollen and nearly purple, signs of a bad infection. She begs Polly to take her to the hospital. Polly acknowledges the request without giving a clear answer and then goes back upstairs.

Part 4, Chapter 56 Summary

Polly knows that if Tegan doesn’t get medicine for her infection soon, she’ll die. Her baby might die too. Polly blames Tegan, who didn’t let her take her boot off sooner. Despite the urgency of Tegan’s condition, Polly tells Hank that she is fine. Before Hank leaves for work, he tells Polly that he loves her. It surprises her and even makes her uneasy since he’s been furious with her.

Part 4, Chapter 57 Summary

Polly orders antibiotics from the pharmacy by impersonating a doctor she used to work with. She also orders a low-dose blood thinner, as she’s worried that Tegan may have developed a blood clot in her leg from lying down for so long. Then, she cleans and bandages the wound on Tegan’s foot. Tegan sleeps through it, barely stirring. With a stethoscope, Polly can hear the baby’s heartbeat, but it’s faint.

Part 4, Chapter 58 Summary

Tegan wakes again later that morning to the sound of Hank coming down the basement stairs. He picks her up and says that he needs to take her to the hospital before Polly gets back. Tegan assumes that he’s lying, but she’s too weak to protest. In the driveway, Tegan sees Simon standing next to Hank’s truck. When he disappears, she realizes that she’s hallucinating.


On the road, Tegan tries to signal other drivers for help, still unable to believe Hank’s claim that he’s taking her to the hospital. She’s about to try to jump out of the moving car when she sees the hospital in front of her. Hank tells Tegan that Polly is a good person and that he’s going to get her help. The last thing Tegan remembers is entering the emergency room on a stretcher.

Part 4, Chapter 59 Summary

Polly comes home from the pharmacy to find Tegan gone. When Hank returns and reveals what he did, Polly feels hatred for him. She accuses him of betraying her and ruining their lives. She locks herself in their bedroom, but when Hank threatens to call 911, she lets him in. She placates him, convincing him that she’s okay, but decides to enact a secret plan when he eventually leaves the house.

Part 4, Chapter 60 Summary

In the hospital, after getting antibiotics, fluids, and a small dose of morphine, Tegan feels better, and the baby is stable. She learns that the police found evidence that her car was tampered with before her accident. She decides that when the police return, she’ll tell them everything Polly and Hank did to her.


Dennis visits her, but she’s too exhausted and traumatized to explain what happened. She gets angry when she learns that Jackson Bruckner is in the waiting room, wanting to see her. However, thoughts about future hospital bills and life expenses make her wish that she’d kept quiet about being raped and accepted Simon’s money.

Part 4, Chapter 61 Summary

Polly realizes that Hank removed all the medicines they had at home, as well as her razors and scissors. He forgot to take the kitchen knives, though. When Hank goes out to chop firewood, Polly puts on her old scrubs, planning to sneak into the hospital during the shift change when the nurses are distracted. She takes a pair of scissors from the kitchen knife block with her.

Part 4, Chapter 62 Summary

While Dennis is in the cafeteria, Jackson comes into Tegan’s hospital room, even though she said she didn’t want to see him and told the nurse not to let anyone except Dennis in. Jackson tells Tegan that he reacted horribly when she said that Simon raped her, and he’s ashamed. Tegan gets the frightening sense that something isn’t quite right. Jackson leans close to her and says that there’s something she needs to know.

Part 4, Chapter 63 Summary

Polly enters the hospital unnoticed and heads toward the labor and delivery ward. She plans to kill Tegan with the scissors in her pocket so that Tegan can never tell anyone what she and Hank did. She thinks about Hank having a fresh start without her since she’ll likely be in prison or dead after this.

Part 4, Chapter 64 Summary

Dennis returns to Tegan’s hospital room before Jackson can reveal what he wanted to tell her. He catches Tegan’s hints that she doesn’t want Jackson there and makes him leave. Tegan and Dennis talk about the similarity of her crash to the car accident that broke Dennis’s leg and ruined his professional skiing career. His accident also occurred on icy roads after a snowstorm.


Dennis urges Tegan to reconsider accepting Simon’s money in light of the hospital expenses she’s incurring. She still hasn’t told him that Simon raped her. Too tired to continue the conversation, Tegan falls asleep.

Part 4, Chapter 65 Summary

When she reaches Tegan’s room, Polly finds Dennis trying to connect a syringe to Tegan’s IV while she sleeps. He’s clearly trying to harm Tegan, which would take care of Polly’s problem for her. Instead of letting him do it, however, she intervenes. Dennis bolts, and Polly chases him.


Tegan wakes up and recognizes Polly as she’s exiting the room. Dennis is faster than Polly, but Jackson, who’s waiting for an elevator, stops him. Polly tells Jackson and a security guard what Dennis was doing and then hurries to leave before anyone recognizes her.

Part 4, Chapter 66 Summary

Detective Maxwell, who’s been investigating Simon Lamar, informs Tegan that Simon and Dennis paid someone to cut her brake lines; then, Dennis convinced her to visit him. Dennis and Simon had a business deal to open new ski resorts, and Simon told Dennis that he’d back out of the deal if Tegan went to the police about him. The call that Jackson made to Tegan just before her crash was to tell her that he was going to the police about Simon, who he realized had done the same thing to other women.


According to Detective Maxwell, Simon is now in custody, and they have enough evidence to keep him from hurting anyone again. Tegan also learns that the syringe that Dennis left behind contained a lethal dose of morphine. She realizes that Polly saved her life.

Part 4, Chapter 67 Summary

When Polly exits the hospital, Hank is in the parking lot looking for her. She assures him that all the police cars near the hospital’s entrance aren’t there for her. As Hank drives them home, Polly tells him that she plans to make an appointment with Dr. Salinsky. Hank says that he loves her more than anything, and Polly realizes that he’s all the family she needs. When they near their driveway, they see police lights flashing.

Part 4, Chapter 68 Summary

Polly realizes that the police are at Mitch Hambly’s house, not theirs. An officer informs Polly and Hank that Mitch is dead: He was reportedly drunk and fell down the front steps. He landed with his face in the snow and was knocked unconscious, leading him to suffocate.

Part 4, Chapter 69 Summary

Tegan has her baby and names her Tia Marie Werner. She told the police that she hit her head during the car crash and can’t remember anything that happened in the following days. She’s often tempted to tell them what really happened but always changes her mind. Jackson, who has a lot of compromising information about Simon, convinces him to sign a contract guaranteeing child support payments to Tegan.


Jackson visits Tegan in the hospital daily and arranges physical therapy, nannies, and housekeepers for when Tegan goes home. As he sets the pink teddy bear that he brought for Tia on the dresser, he notices another teddy bear. It’s the one from Polly’s pantry. The note attached says, “Dear Tegan, I wish you and your daughter all the happiness in the world. Love, Polly” (315).

Epilogue Summary: “One Year Later”

One year later, Tegan and Tia live in their own house, which Jackson helped her fix up. With time and effort, Tegan regained the ability to walk on her own. She’s in therapy to deal with her trauma and has learned to stop blaming Hank and Polly. Dennis and Simon are both serving long prison sentences. Tegan still sees nursing school in her future and has high hopes for Jackson to have a romantic role in her life and a fatherly one in Tia’s.


After Mitch’s death, Sadie goes into foster care. Soon, however, Polly’s doctor testifies to her stability, and she and Hank become foster parents for Sadie, with plans to adopt her. Hank makes a wonderful father, and Polly is grateful that he kept her from ruining her life a year ago.


Hank reveals that before looking for Polly at the hospital a year ago, he looked for her at Sadie’s house. Mitch was drunk and belligerent, and Sadie showed clear signs of physical abuse, so Hank killed Mitch by holding his face in the snow. He expected that Sadie would tell the police what happened, and he was willing to face the consequences, but she never did. When he worries that she might hate him for killing her father, Sadie avows happily that Hank is her father.

Part 4-Epilogue Analysis

In Part 4, McFadden continues to escalate tension and suspense using techniques related to structure and the narrative arc. While Parts 1 and 2 each featured a single narrator—Tegan and then Polly, respectively—Part 3 alternates between points of view, and Part 4 alternates with almost every chapter. This increases the momentum of the story as it builds toward its climax while also continuing to develop the tension between the two women’s differing and incomplete understandings of the situation. Raising the stakes of the main conflicts—like when Polly recognizes that Tegan will die if she doesn’t get antibiotics right away—also increases tension and suspense.


Many thriller novels contain what is sometimes called a false ending, in which the threat seems to be over and the conflicts resolved but the antagonist returns to challenge the protagonist one more time. Tegan’s arrival at the hospital seems like a climax in the narrative arc; she’s out of Polly’s control and should be safe there. Polly rallies, however, and draws on her in-depth knowledge of her husband and the hospital to endanger Tegan once again, upping the stakes by showing how far she is willing to go.


The plot twist that someone tampered with Tegan’s car also adds another layer of tension to her stay in the hospital, as well as creating another mystery to solve. The revelation that someone tampered with her car means that someone else is trying to kill her, but McFadden doesn’t yet reveal who, thereby maintaining suspense. Tegan’s sense that something isn’t right when Jackson is by her bedside acts as a red herring, a false lead and common convention in the thriller genre. Her conversation with Dennis about the similarities of her car crash to his is a subtle clue that foreshadows his role in the plot to kill her.


In the Epilogue, the novel also returns to the mystery established in the Prologue: the anonymous murderer and the victim. The solution to the crime is presented through Hank’s point of view and is a major twist in both the plot and Hank’s character development. McFadden’s overall portrayal of Hank, through Polly’s and Tegan’s narrations, leads readers away from the idea of him as a killer. His reason for killing Mitch adds complexity to the book’s theme about The Complex Ethics of Rationalization, offering another example of a character rationalizing a crime, but in this case, the crime and the outcome complicate the idea of this rationalization of being either right or wrong.


Once again, setting plays a role in shaping the plot and escalating conflict. Hank takes Tegan to the nearest hospital, the same hospital where Polly worked for years. She knows the layout, the exact time when staff will be distracted by shift-change procedures, and the demeanor that will make her look like a professional who belongs there. Polly’s history of working at that hospital enables her to impersonate a doctor and provide authentic credentials to the pharmacy. She learns how to tell when Mitch isn’t home, knows that Hank will be most distracted when he’s chopping wood in the backyard, and recognizes the implications of Dennis’s actions in Tegan’s hospital room. These examples contribute to the overall portrayal of a woman with a thorough knowledge of her home and community, one who knows how to use her environment to her benefit and is willing to do it.


In Part 4, Polly’s character arc also continues to develop the novel’s theme of The Psychological Influence of Maternal Instinct. An important epiphany in Part 4 moves her further along that arc toward transformation. When the novel begins, Polly’s inability to accept not having a child is set up as what she must overcome. At the end of the story, when she finally understands that she can be happy without a child and that Hank is all the family she needs, she’s able to move forward. Polly has been grieving the loss of the family and the future she planned, but with this epiphany, she begins to accept that her family will be different than she had anticipated. In another twist, her realization is what later enables her to be Sadie’s foster mother.


In these chapters, McFadden weaves several smaller conflicts around the primary struggle between Tegan and her captors to develop the new mystery of who is trying to murder her. The fact that Tegan remains unaware of her conflict with Dennis for so long highlights the theme of Perception Versus Reality and the Dangers of Presumption. She notes, “I always thought of my brother as a laid-back guy who was happy with his career as a ski instructor, but as it turned out, he had more in common with our father than I thought” (303). On top of that, she thinks of her brother as her protector, reflecting a need to see him that way rather than an understanding of who he really is. Tegan fails to recognize Dennis’s resentment and his greed until he tries to kill her to salvage a business deal with her rapist. The sudden revelation of Dennis’s crimes creates a juxtaposition between him and Polly as antagonists, changing the way Tegan thinks of her former captor and paving the way toward forgiving her.

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