Is Your Personal Vehicle Covered in a Crash During a Response?

摘要

I recently taught a class in north-eastern Pennsylvania where I was approached by a student during a break. The student began to tell me how he was involved in a motor vehicle collision while responding to a call in his personal vehicle. As a fire police officer, his personal vehicle was equipped with lights and sirens, which were activated at the time of the crash. Unfortunately, when the member contacted his insurance company and notified it of the crash, it denied his claim and canceled his insurance. The student then explained how he had a very tough time trying to find an insurance company that would properly cover him during an emergency response. This story prompted me to begin researching insurance companies and how they may or may not cover us as emergency responders. I am sure that, like most people, I had never given much thought as to whether I would be covered if I were involved in a crash during a response. This story gave me pause and caused me to start to think about it.