Vermont Accidents

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Insurance claim vs lawsuit after a road-rage crash in Montpelier - which move protects your paycheck faster?

An Amazon Flex driver in Montpelier may have claims against more than one party after an intentional crash, but the deadlines and insurance notice rules do not wait for the blame fight to sort itself out.

ARTICLE by Pete Rossignol

I got hit on a South Burlington off-ramp and now I'm the liar

A wrong-way off-ramp crash with no witnesses can turn into a pure credibility fight fast, and the insurance company will use every gap against you.

ARTICLE by Brenda Patch

Your boss used your papers against you after a two-hit crash

A Burlington roofer with a likely permanent injury after two separate impacts still has claims to sort out, and the immigration threat changes the pressure, not the value of the damage.

ARTICLE by Pete Rossignol

Is chasing this South Burlington crash claim even worth it when your boss wants it buried?

A retired worker in South Burlington got hit in an uncontrolled intersection, the other side is pushing blame back, and his employer wants the workers' comp claim to disappear.

ARTICLE by Pete Rossignol

Got hit in South Burlington and now the DoorDash driver says he'll sue me for "defamation"

A South Burlington crash with a speeding DoorDash driver can turn into a pressure campaign fast, especially when the other driver has little or no coverage and starts throwing around fake defamation threats.

ARTICLE by Pete Rossignol

VA Disability Benefits and Vermont Truck Accident Claims

If a commercial truck hit you in Vermont, your VA disability benefits usually do not let the trucking company off the hook, and they do not get a discount because you served.

ARTICLE by Sarah Goodwin

Eight months into a Brattleboro crash claim and your lawyer still won't call back

A Brattleboro city parks worker can usually change lawyers mid-case, but the old fee agreement, the case file, and any fight over who gets paid can get messy fast.

ARTICLE by Linh Tran

A 50-mph rear-end crash can still turn into a blame fight

A hard rear-end crash in a construction zone looks obvious, but in Vermont the driver, the comp carrier, and Medicare can all point fingers at you while the bills stack up.

ARTICLE by Pete Rossignol

umbrella policy

People often confuse an umbrella policy with an excess policy. Both add extra insurance above an underlying policy, but an excess policy usually just increases the dollar limit...

step-down provision

What trips people up most is that the policy can look like it has one set of high limits, but a hidden clause can reduce those limits for certain drivers, vehicles, or...

An excess carrier is an insurance company that pays only after another policy's coverage limit has been used up. That usually means there is a primary insurer handling the...

Bennington PT case going nowhere and the surgery got denied - can you still change lawyers?

Your case is not locked to the first lawyer you hired, but changing attorneys midstream can get messy fast when workers' comp is denying surgery and the truck claim is still alive.

ARTICLE by Linh Tran

reservation of rights letter

Like a farmer agreeing to help pull a truck out of a snowy ditch while also saying, "I'm helping now, but I'm not admitting this is my responsibility," a reservation of rights...

My sister got hit on a Montpelier sidewalk and the insurer has ghosted her

A sidewalk crash in Montpelier can turn into a bigger case if the driver was impaired, and the insurance company staying silent does not freeze your claim.

ARTICLE by Colleen Robitaille

coordination of benefits

Think of two hay wagons arriving for the same load: one goes first, and the second only takes what is left. That is how coordination of benefits works when a person is covered...

exclusion clause

You usually see this in the fine print after a promise of coverage, or in a denial letter that says something like, "Losses arising from intentional acts, racing, or use...

No witness, lying driver, motorcycle wreck - your claim still isn't dead

A blind-spot lane-change crash with no witnesses turns into a credibility fight fast, but in Vermont the claim usually lives or dies on evidence you can still lock down after the wreck.

ARTICLE by Sarah Goodwin

independent adjuster

Insurance companies often mention an "independent adjuster" to make the claim process sound neutral, as if an outside professional is simply calling balls and strikes. That...

comprehensive coverage

Miss this in your policy, and you may find out too late that a smashed windshield, a stolen truck, or a tree through the roof of your car is your bill to pay, not the...

examination under oath

Picture getting called into the principal's office after a crash on Route 7, except the principal works for the company that may have to pay you, the questions are scripted by...