Let's talk about that 500lb gorilla in the corner....
Vehicle insurance.
It has come to my attention that many smaller departments will not provide any sort of coverage to members responding to emergency calls. Further more, many insurance companies will not cover POV's with lights and sirens without insane premiums or they flat out refuse any coverage.
So, unfortunately it seems that many volunteers across the nation are forced to hang up the blinkies or take great risks in responding, AKA: Get in an accident and lose everything once the lawyers find you.
What is your coverage like?
Does your department cover your response, are you not sure? Is this something that needs to be brought up at your next department meeting?
Are you 100% certain your private insurance covers you while running hot? Just because they don't mention it doesn't mean they will pay if and when the time comes.
This is a very hot topic that needs to be discussed.
Vehicle insurance.
It has come to my attention that many smaller departments will not provide any sort of coverage to members responding to emergency calls. Further more, many insurance companies will not cover POV's with lights and sirens without insane premiums or they flat out refuse any coverage.
So, unfortunately it seems that many volunteers across the nation are forced to hang up the blinkies or take great risks in responding, AKA: Get in an accident and lose everything once the lawyers find you.
What is your coverage like?
Does your department cover your response, are you not sure? Is this something that needs to be brought up at your next department meeting?
Are you 100% certain your private insurance covers you while running hot? Just because they don't mention it doesn't mean they will pay if and when the time comes.
This is a very hot topic that needs to be discussed.
Last edited by a moderator: