You get the call and your training kicks in. You jump in your car to quickly and safely rush to the scene. Your mind is on the task at hand…serving your neighbors and community. Yet, despite your best efforts, you find yourself in an accident en route. While it might be the last thing on your mind at that moment, eventually the following question will arise…
Is your personal vehicle covered in case of physical damage or liability while you are acting on behalf of your department?
CHECK YOUR PERSONAL POLICY
While your personal insurance policy may be sufficient in case of accident on your own time, your claim while engaged in official fire department business may be denied, even if you are using appropriate lights at the time. Making a claim may even lead to your policy being cancelled. It is important to talk to your agent about how your work influences your personal coverage. Knowing the type of policy your department carries will also help you determine what you need to carry personally.
CHECK YOUR DEPARTMENT POLICY
The best Fire Department policies recognize this unique aspect of emergency service providers. Some of our most popular carriers offer coverage for employees using personal vehicles on behalf of the insured by supplementing personal insurance coverage with excess liability and reimbursement of personal auto physical damage deductibles.
In addition, some policies also covers primary liability and primary physical damage when a representative of the insured commandeers a vehicle on behalf of the insured.
In emergency situations there are more than enough unforeseen events to worry about…don’t let having insufficient coverage be one of them.
At Compass Insurance Partners we would be happy to help you make sure there aren’t gaps in your both your personal or professional coverage.