Grimy looking 70s film about a husband whose decision to let his wife die after a car accident after she refuses to loan him money leads to more death, and a hero in the form of a guy who looks and acts like if Gabe Kaplan and Alan Alda had a child.

Also, the husband sounds and behaves like a Will Ferrell character.

http://www.imdb.com/title/tt0073762/combined