Vermont Accidents

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Search results for “insurance delay”

20 results

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

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

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...

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

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...

if Montpelier knew about the pothole and my insurer still says the treatment wasn't necessary, am i looking at debt, missed work, and no way out

A Montpelier factory worker's crash after hitting a reported pothole can turn into two fights at once: proving the city had enough notice to fix it, and proving your care was actually necessary when insurance starts playing games.

ARTICLE by Mike Parenteau

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...

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

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

A deductible is the amount of money a policyholder must pay out of pocket on a covered loss before the insurance company starts paying its share. For example, if a car...

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

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...

underinsured motorist coverage

This can be the difference between getting your medical bills and lost wages covered or being stuck with a big unpaid balance after a crash. When the at-fault driver has...

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...

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

uninsured motorist coverage

People often mix this up with underinsured motorist coverage, and the difference matters. Uninsured motorist coverage pays for injuries, and sometimes other losses, when the...

Insurance adjusters and defense lawyers often lean on this label to limit who gets policy rights, who can make changes, and who can collect certain benefits. If your name is...

Pothole Motorcycle Crashes and Immigration Fears in South Burlington

If you're undocumented and got hurt in a motorcycle crash caused by a bad South Burlington road while working, the real fight is usually coverage, road ownership, and proof - not your immigration status.

ARTICLE by Linh Tran

bodily injury liability

Like a safety net under a job site walkway, this coverage is there in case someone else gets hurt and the policyholder is legally responsible. In insurance, bodily injury...

I was sitting on the shoulder in St. Albans and now my old Facebook photos are being used against me

A St. Albans electrician gets hit while pulled over with hazard lights on, then learns the real fight is over underinsured coverage and old social media photos.

ARTICLE by Mike Parenteau