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Auto & Emergency Vehicle Insurance

Automobile and emergency vehicle insurance coverage consists of liability and physical damage coverages. 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.

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Emergency Vehicle Insurance Coverage Highlights:

  • If you commandeered a vehicle for an emergency situation, you’re provided:
    • 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 percent of the loss to cover costs you incur bringing the repaired or replaced parts into compliance with the latest safety standards.
  • Your volunteers or employees 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, the policy 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.