25-Car Pileup in a Whiteout

25-Car Pileup in a Whiteout

From Is It Covered? by ROC Vox Podcast Network

March 31, 2026 · 9 min · Season 1 · Episode 143

About this episode

This episode discusses the implications of being involved in a multi-vehicle pileup during a snow squall and the insurance coverage related to such incidents.

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) 986-4062 This podcast provides general information only and does not offer or bind insurance coverage. Coverage decisions depend on the specifics of each case. #IsItCovered…

People in this episode

Guests: Bruce Chapman, Brian Chapman

Topics covered

  • car insurance
  • multi-vehicle accidents
  • winter driving safety
  • insurance coverage
  • fault determination
  • personal injury protection

Keywords

  • car pileup
  • insurance coverage
  • collision coverage
  • no-fault
  • personal injury protection
  • snow squall
  • winter driving
  • auto insurance
  • safety tips

Mentioned in this episode

Organizations: JD Chapman Insurance Agency

Places: I-90, I-81, New York

More episodes of Is It Covered?

Explore listener stats, chart rankings, contacts and more on the Is It Covered? podcast page.