This is primary a jumpscare film with a psychological horror element to it. The most obvious meaning of the Toll Man is the killer stalking the two main characters on the road. The more subtle meaning is the "toll" of the past baggage these two characters carry with them from their past. That's where the visions of the hurtful family characters come into play.
Unfortunately, they didn't take this idea all the way through to the end and messed up the ending. Instead they went for the mediocre ending which I won't mention. The acting wasn't that great but I was willing to overlook it if the screenplay had been a bit smarter. So this is worth a watch, but not a second one. Missed opportunity to make a low budget film into a smart horror film.
Unfortunately, they didn't take this idea all the way through to the end and messed up the ending. Instead they went for the mediocre ending which I won't mention. The acting wasn't that great but I was willing to overlook it if the screenplay had been a bit smarter. So this is worth a watch, but not a second one. Missed opportunity to make a low budget film into a smart horror film.