Truck accidents often cause catastrophic injuries, long-term disabilities, and significant financial burdens. In many cases, the losses you suffer can far exceed the limits of a single trucking insurance policy. But that doesn’t mean your options end there if you’ve been in a severe accident with a truck.
At The Illinois Hammer, we know how overwhelming these situations can feel — especially when it seems like the available insurance won’t be enough. That’s why we dig deeper to uncover all possible sources of compensation.
When One Policy Isn’t Enough
Most trucking companies carry commercial liability insurance, but even these larger policies can fall short when injuries are severe. You might face hundreds of thousands of dollars in medical bills, months of lost income, or permanent damage to your quality of life — far more than a single insurer may be willing or able to cover.
Fortunately, Illinois law gives you the right to pursue compensation from multiple parties, not just the trucking company’s insurer.
Other Possible Sources of Compensation
If the trucking company’s insurance isn’t enough, our legal team investigates whether you can also recover from:
- The truck driver’s personal insurance (if they were partially or fully at fault)
- Umbrella or excess liability policies held by the trucking company
- Third-party contractors involved in maintenance, cargo loading, or fleet management
- Truck or parts manufacturers, if mechanical failure contributed to the accident
- Government entities, if poor road conditions or signage were involved
Every accident has a unique set of circumstances, and identifying additional liable parties requires experience, thorough investigation, and often, expert testimony.
How We Maximize Your Recovery
At The Illinois Hammer, we approach truck accident cases with both determination and compassion. Our goal is not just to prove fault — it’s to secure the compensation you need for medical care, lost income, long-term rehabilitation, pain and suffering, and more.
We work with:
- Accident reconstruction specialists to uncover how the crash happened
- Medical experts to document the full extent of your injuries
- Financial experts to calculate your present and future damages
This evidence allows us to pursue every available avenue for recovery — and push back when insurers try to minimize your claim.
Get the Legal Help You Deserve
Trucking companies and their insurers often fight hard to protect their bottom line. You need someone in your corner who knows how to stand up to them — and who understands how to build a case that truly reflects what you’ve lost.
If you or a loved one has been injured in a truck accident and the insurance coverage isn’t enough, contact us for a free consultation. We’ll review your case, explain your options, and help you take the next step with confidence.
You don’t have to navigate this alone — we’re here to help you fight for the full compensation you deserve.
