Americas Leading Insurer of Emergency Organizations

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.

Find insurance applications here.

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.
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