A drunk driver crossed the median on I-57 striking a car occupied by 4 persons. One adult died. Tragically, the initial crash was followed seconds later by a trucker driving a semi-trailer crashing into the same car. In this second accident there was no apparent evidence of trucker fault. Nevertheless, the insurance company offered the 1,000,000 policy maximum to settle. This unfortunate accident illustrates some of the evaluations made by insurers which may lead to settlement offers.