When Hearts Collide" follows the story of four childhood best friends, "The Four Musketeers": Niko, Luke, Sara, and Raya. The group's dynamic is complicated by unacknowledged feelings: Sara harbors a long-time crush on the charismatic Niko, while the thoughtful Luke has been secretly in love with Sara since they were twelve. The group is broken up in their junior year when Niko moves to California.
Ten years later, Niko returns for a visit with his perfect girlfriend, Emma. His return forces Sara to realize her feelings for him have faded into mere nostalgia, and she begins to see her best friend, Luke, differently. The situation comes to a head when Raya, who has also been secretly in love with Luke, confronts Sara, urging her to finally recognize Luke's devotion.
Sara realizes Luke is her true love and her safe harbor. She and Luke finally confess their feelings and start a relationship. With the emotional hurdles cleared, Niko and Emma get engaged, and Raya embraces her own new beginning. The story concludes with Sara and Luke building a happy life together, having found their love story in the foundation of their lifelong friendship