25-Car Pileup in a Whiteout

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: brian@jdchapmaninc.com📞 JD Chapman Insurance Agency🌐 jdchapmaninc.com📱 (315) 986-4062This podcast provides general information only and does not offer or bind insurance coverage. Coverage decisions depend on the specifics of each case.#IsItCovered #CarInsurance #AutoInsurance #WinterDriving #Pileup #InsurancePodcast #NewYorkInsurance #WhiteoutConditions #JDChapman #NoFault #CollisionCoverage #InsuranceTips #SnowSquall #PersonalInjuryProtection #PIP