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Does your Personal Vehicle's Insurance Carrier, know your are a Volunteer Firefighter with Lights/Sirens?
I and some others here at FFN have had an experience with personal vehicle damage while operating as a Volunteer Firefighter.
Sometimes the firefighters fault, other times it was clearly the fault of the other party. Regardless of fault, do you know if your personal insurance carrier requires you to report that you are running FD lights/sirens on your POV?
In my case, State Farm did require pre-notification and I didn't understand their policies... which was a very interesting discovery at a time of unease.
Well, do you know?
Sometimes the firefighters fault, other times it was clearly the fault of the other party. Regardless of fault, do you know if your personal insurance carrier requires you to report that you are running FD lights/sirens on your POV?
In my case, State Farm did require pre-notification and I didn't understand their policies... which was a very interesting discovery at a time of unease.
Well, do you know?
Replies to This Discussion
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Permalink Reply by Josh Sullivan on
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That is a good question I'm not sure but will check it out..
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Permalink Reply by Jenny Holderby on
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My husband was required to carry high-risk insurance AND an additional bond in the state of Ohio for several years. I had a teenage driver who is still a male under 25 yrs of age. When my insurance agent saw the FF license plate bracket & FD insignia on my vehicle, it went even higher because not only was my husband high risk, somehow that put ME in the same category. SO. . . no lights, no siren. My husband no longer has an operator’s license due to medical problems. I'm still not ready to put emergency vehicle paraphernalia on my mini-van. I like having manageable insurance premiums.
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Permalink Reply by Darryll Hamlin on
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I agree with Caleb they know in Michigan that i have lights and siren but i believe its a don't ask don't tell but if my insurance premiums go up you beta my toys would be gone. hey you guys take care,be safe and god bless.
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Permalink Reply by T.J. on
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I'm with you "D" on this one, this all came about because of Mik'e accident last week on the Resort Pike accident.
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Permalink Reply by Dennis Brown on
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HMMMMMMM i got to check this one out in jersey
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Permalink Reply by turk182 on
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I have state farm also and do not know their policy on the subject and will have to check into it.
That being said my department has insurance that covers any of our members vehicles as long as they are on fire department business such as call or picking up supplies.
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Permalink Reply by FETC on
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The don't ask don't tell attitude may hurt you in the wallet, if something should occur...
This didn't come about because of last week's accident in any little town.... my unfortunate experience was 16 years ago.
This is an issue with some insurance carriers, and not with others. I have also own a residential sprinkler system in my new home, my original carrier did not acknowledge or discount the safety of a fixed protection system but others do and the savings was incredible...
The lesson here is do you know about your carrier and are you willing to get protected, and HAHA is not what I was really looking for...but to each is own.
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Turk,
Good for your department, great benefit, is this just a deductible coverage policy or does it cover the entire claim?
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Permalink Reply by 144Truck on
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I ran blue lights for many years in CT, never a problem with my insurance carriers.... After gaining Chief rank and going to red/white/siren, still no problems (Since 1988). Our department liability insurance also indemnifies personnel while responding.
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From the way I understand it, the insurance is supposed to cover the entire claim but I will have to check to make sure!
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Permalink Reply by Chief 29 on
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My insurance company is Nationwide and I am not sure of their policy on lights and sirens used on pov's. All I know is that recently My truck was involved in an accident while someone else was driving. The adjuster saw the bar on top of the truck and the radio along with the control pannel for operating them inside the cab and nothing was said. keep in mind this accident happened while off duty, never the less I no problems getting it fixed and Nationwide said nothing. I will look into this further.
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Permalink Reply by Bill Muehsam on
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Mine actually gave me a discount for being a firefighter and for taking an EVD class.
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