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 SCENARIO? Submit your real or hypothetical claim scenarios to: brian@jdchapmaninc.com