Volunteer Fireman and PAP Coverage

February 22, 2016

The insured is a volunteer fireman and has a personal auto policy. He leaves his home to respond to fire and gets in an accident on the way to the fire or on the way home from the fire. Is he covered under the PAP? Could there be any exclusions for this under the PAP if the insured is a volunteer?

Michigan Subscriber

Presuming the insured is the named insured, the standard PAP states that the named insured is an insured for the ownership or use of any auto. So, it makes no difference that the insured is a volunteer. The only exclusion that might apply is for using a vehicle while the insured is engaged in a business. However, it is a fair question if the insured is engaged in a business while responding as a volunteer fireman to a fire. Moreover, that exclusion does not apply to the use of a private passenger auto or pickup or van, so if that is the insured's vehicle, the exclusion would not apply anyway.