It was sometime around 4 a.m. on a cool spring morning when James McGilvray lost control of his semi, careening into a ravine off Interstate 49 in Harrisonville, Missouri.
Graham Brown was headed to his job as a computer technician when a drowsy big-rig driver swerved into his path and struck his car, sending it flying off a rural Illinois road and into a field. The effect of the trucker's firm not having enough insurance coverage was devastating.
