Fire Prevention & Protection, Firefighting

Fire companies need secondary liability insurance coverage for drivers

Issue 4 and Volume 169.

Fire companies need secondary liability insurance coverage for drivers This refers to “Is Your Personal Vehicle Covered in a Crash During a Response?” (Volunteers Corner, December 2015). Author Chris Daly brought up several points of concern relative to personal vehicles that also apply to department or company vehicles. Pennsylvania uses the Uniform Vehicle Code as the basis for its state law, Title 75 of the Pennsylvania statutes. Under this statute, there are authorized vehicles that are not permitted to have sirens or violate any traffic laws while being operated at any time including when responders are en route to a call and emergency vehicles that must be operating a siren and at least one red light while responding. Emergency vehicles are permitted to disregard traffic-control devices and direction of travel regulations under very specific circumstances, such as when responding to a fire. The operator is always civilly liable for his…

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