Emergency Vehicle

An emergency vehicle includes ambulances, fire department vehicles, police vehicles while used by a person in the lawful performance of a police officer’s duties, and some other emergency response vehicles.

Insurance has rather special considerations regarding emergency vehicles. An example is an at-fault accident which should amend your driving record. Yet an accident arising from a person’s operation of an emergency vehicle will not impact the driving record for a different use of vehicle that the other person may drive, such as a personal car. The at-fault accident can be used only in rating for that driver for the emergency vehicle.

Talk to your agent or broker about your particular circumstance.