Emergency Vehicle Insurance

Automobile coverage consists of liability and physical damage coverage. Automobile liability coverage protects your organization when a person is injured or a person’s property is damaged as a result of an occurrence that’s automobile-related. When emergency vehicles such as fire trucks and ambulances are covered for physical damage coverage on an agreed-value basis, you choose the agreed value for each vehicle.

  •  If you commandeered a vehicle for an emergency situation, coverage is provided as follows:
    • Primary liability coverage
    • Primary physical damage on an actual cash-value basis

  • Incurred towing and labor expenses not to exceed 200 miles of disablement

  • Additional 25% of the loss to cover the costs you incur in bringing the repaired or replaced parts into compliance with the latest safety standards

  • Your employees or volunteers are automatically protected when using their own vehicles on behalf of the insured organization at the time of an accident as follows:
    • Excess liability coverage is provided over their own personal auto liability coverage limit
    • Reimbursement of their personal auto physical damage deductible, or, if no personal auto physical damage coverage, will pay up to the actual cash value of their vehicle\

  • Deductible Waiver applies for covered losses under multiple VFIS policies

  • Recertification included in claims settlement

Coverage Highlights

For comprehensive firefighter insurance & EMS insurance, contact an agent today!