The fates of a car carrying 4 young people on their way home at night, a drunk driver, and a truck driver intersected at every motorist’s worst nightmare. Traveling southbound along I-57 in Illinois at midnight, a car crosses the grassy median, and collides into a car approaching in the opposite direction. Seconds later, that car is plowed into by a semi tractor-trailer. The 30 year-old drunk driver and a 19 year old passenger are dead at the scene. A baby has life altering injuries. Motor vehicle insurance and a homeowner's umbrella policy combine to provide compensation to the victims. Lipkin & Apter now turn their attention to the second crash with the semi tractor-trailer.