Lit fiction about being held at gunpoint?

[starshipfox]

I read this book in the mid 00s, and I think it was recently published at the time. It was a literary novel about a young woman who is held at gunpoint in a public park. I believe she lived in New York city, and the attack is fairly brief: she isn't assaulted, but is very frightened. She has a boyfriend, and when she talks to him about the attack afterwards he isn't very sensitive. I think the book had quite a lot of literary references, perhaps specifically to Robert Frost? I also remember the cover had colour photographs of autumn leaves.