How Much is a Typical Truck Accident Settlement in Missouri & Illinois?

While it’s true that every case is unique, most victims want to know what to expect. Based on industry data and our experience with cases in Missouri and Illinois, here is what victims should know:

• For Minor to Moderate Injuries: Cases involving non-life-threatening injuries (like whiplash, fractures, or herniated discs) that require medical treatment but not permanent care often settle in the $0 to $millions.
• For Severe or Catastrophic Injuries: Cases involving severe, life-altering injuries (such as traumatic brain injuries, spinal cord damage, or amputation) frequently result in settlements or verdicts of $0 to $millions.
• For Wrongful Death Claims: These cases are the most tragic and complex, and settlements often reach multi-million dollar figures, as they must account for the lifetime of lost income and companionship.

The “average” settlement for a semi-truck accident is significantly higher than a standard car crash. This is because the injuries are almost always more severe, and the federal regulations governing trucking companies open them up to greater liability.

What Determines Your Final Settlement Amount?

The numbers above are just a starting point. The actual value of your case is determined by a few key factors.

1. The Severity of Your Injuries & Medical Bills

This is the most significant factor. For example, a case with $20,000 in physical therapy bills will be valued very differently from a case involving a $150,000 spinal surgery and lifelong attendant care. We work to recover all past, present, and future medical expenses.

2. Lost Wages and Earning Capacity

How has this crash affected your ability to work?

• Lost Wages: This is the money you’ve already lost from being unable to work during your recovery.
• Loss of Earning Capacity: This is the future value of your career. If your injury forces you to take a lower-paying job or retire early, we fight to recover that future lost income.

3. Pain and Suffering (Non-Economic Damages)

This is compensation for the human cost of the crash. It includes your physical pain, emotional distress, mental anguish, scarring, and loss of enjoyment of life. There is no simple calculator for this, which is why having an experienced attorney to tell your story is so critical.

4. How State Law Affects Your Claim?

The “comparative fault” laws in Missouri and Illinois are critical.

• In Missouri: We follow a “pure comparative fault” rule. This means you can recover compensation even if you are found partially at fault (e.g., 10% at fault). Your final award would simply be reduced by your percentage of fault.
• In Illinois: We follow a “modified comparative fault” rule. You can only recover damages if you are found to be 50% or less at fault. If you are found 51% at fault, you get nothing.

Insurance companies will use this to their advantage, trying to place as much blame as possible on you to reduce or eliminate their payout.

5. The Trucking Company’s Insurance Policy

Federal law requires commercial trucks to carry much higher insurance policies than passenger cars, often ranging from $750,000 to over $5,000,000. While this is good for victims, it also means the insurance company will bring a team of aggressive lawyers to fight your claim.

Why Are Truck Accident Settlements Higher Than Car Accidents?

Truck accidents often cause more severe injuries due to the size and weight of commercial vehicles. Multiple parties (driver, trucking company, manufacturer) may be liable, and federal regulations can add complexity. As a result, settlements are often significantly higher than for standard car accidents.

 

Key Takeaways in Average Truck Accident Settlement in Missouri and Illinois

• Catastrophic injuries and wrongful death cases can reach into the millions.

• Factors like injury severity, liability, and insurance coverage play a major role in determining settlement amounts.

• Consulting an experienced truck accident lawyer is crucial to maximize your compensation and navigate the complex claims process.

If you or a loved one has been involved in a truck accident, understanding these averages and influencing factors can help set realistic expectations and guide your next steps. Contact us for fatal truck accident settlement.

Why Choose Mutrux Firm Injury Lawyers for Your Truck Accident Case?

When the stakes are high, experience and reputation matter. At Mutrux Firm Injury Lawyers, we understand the life-altering impact a truck accident can have and we’re here to help you recover the compensation you deserve. Whether your case involves catastrophic injury, wrongful death, or complex liability issues, our team has the knowledge, resources, and relentless drive to stand up to powerful trucking companies and their insurers. Tyson Mutrux was proudly awarded Best Attorney in Columbia for 2025 by Inside Columbia Magazine, a recognition that reflects not only legal skill but also the deep trust of those we serve in Missouri.

Our founder, Tyson Mutrux, holds a 10.0 Superb Avvo rating and has been recognized by Expertise as one of the Best Medical Malpractice Lawyers in St. Louis. He’s also a member of The National Trial Lawyers’ “Top 40 Under 40”, a testament to his dedication to delivering top results for injured clients. Our firm’s reputation is built on clear communication, attention to detail, and real results, reflected in dozens of glowing client reviews.

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Mutrux Firm Injury Lawyers – St. Louis

Mutrux Firm Injury Lawyers – Columbia

We serve clients across Missouri and Illinois, with dedicated offices in St. Louis and Columbia.

Call (888) 550-4026 today or visit www.tysonmutrux.com to start your free case investigation. We’re ready to fight for your recovery and your future.