A snow squall hits without warning, visibility drops to zero, and suddenly 20+ cars are slamming into each other on the highway. It happened on I-90 and I-81 — and it could happen to you.
In this episode, Bruce and Brian Chapman of JD Chapman Insurance Agency break down exactly what happens to your insurance when you're caught in a multi-vehicle whiteout pileup. Who's at fault? Does your policy cover it? What if you're injured?
🔑 What we cover:
• How fault is determined (or not) in a multi-car pileup
• Why this type of crash may be classified as "not at fault"
• What no-fault / personal injury protection (PIP) covers
• Why you NEED collision coverage — and what happens if you don't have it
• The one thing you should never do when you're in a pileup
⚠️ Safety reminder: Do NOT get out of your vehicle during a pileup unless it's on fire.
Have a claim question or scenario you want us to break down? Email Brian directly: [email protected]
📞 JD Chapman Insurance Agency
🌐 jdchapmaninc.com
📱 (315) 986-4062
This podcast provides general information only and does not offer or bind insurance coverage. Coverage decisions depend on the specifics of each case.

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