Just a few thoughts The number of people involved in this lawsuit is probably related to the negligence system in Missouri, which is a pure comparative negligence state. This means, that an injured can recover for other's negligence even if the accident was mostly the injured's fault. For example, if the jury finds that Hancock was 90% responsible, and the truck driver was 10% liable, then a cause of action for 10% recovery would exist. I don't know the whole facts here, but it may be possible that someone did do something that contributed to this accident. Naming everyone conceivably partially at fault is really what you're supposed to do when pleading. Additionally, you get some evidentiary bonuses under hearsay exemptions if someone is a party-opponent instead of just a 3rd party. As far as forcing the towed driver to get a lawyer, almost every liability insurance policy will provide a defense for a lawsuit. Missouri's tavern liability law seems to allow only injured 3rd parties to sue for damages. (The tow truck driver for example). My guess is that the taveern is included as a party because some of the people are likely going to sue them anyway--and Hancock's position is going to be that the tavern is responsible for some of the damage/injury. One possibility here is that Hancock's attorney is trying to get a jump on defending the impending lawsuits by other people (tow truck driver, other car) by filing first. Just because a suit was filed doesn't necessarily mean that someone is looking for a payout. Hancock is very likely liable for some things here, this may be a pre-emptive defense move. Either that, or someone is not willingly telling what's happened and the suit is being used to get some answers.