Ridryder911
EMS Guru
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actually, if you are in an accident, found to be speeding, you are covered by insurance. your rates may rise, but you are covered.
Sorry sky, but that is NOT always true. Many insurance carriers such as Allstate, State Farm, etc. may have clauses that exempt the moment an emergency light is demonstrated on a private vehicle, it then becomes an "official vehicle" representing another company...i.e. you have a light and siren it is now representing the fire service, not your own.
The same if they find out you drive your vehicle for your company instead of personal business, they can drop your claims, and possible pursue insurance fraudulent representation (you did not give full representation or mislead the company).
One should to be sure to inform your representative that you respond in emergency status. The reason there is volunteer fire insurance, because so many DO NOT insure you with l/s.
R/r 911