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 is 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.
Coverage Highlights
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If you commandeered a vehicle for an emergency situation, coverage is provided as follows:
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Primary liability coverage
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Primary physical damage on an actual cash-value basis
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Incurred towing and labor expenses not to exceed 200 miles of disablement
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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
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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:
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Excess liability coverage is provided over their own personal auto liability coverage limit
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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\
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Deductible Waiver applies for covered losses under multiple VFIS policies
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Recertification included in claims settlement
Please contact one of our agents for a proposal with a detailed explanation and other conditions of coverage.