What it does
Emergency vehicles carry radios, mobile data terminals, cameras and other electronic equipment that the business auto form otherwise limits or excludes. CA 20 02 removes, without charge, the exclusion relating to audio, visual and data electronic equipment for qualifying emergency vehicles. The Massachusetts residual market manual lists the eligible autos: police department autos, fire department autos, and emergency autos owned by local, state or federal governments or by volunteer fire departments, rescue squads or ambulance corps.
Who needs it
Municipal and county fleets, fire districts, volunteer fire companies, rescue squads and ambulance corps.
Key points
- It replaces the need for CA 99 60 added limits on those vehicles because the restriction is removed rather than supplemented.
- The vehicles still need comprehensive or specified causes of loss coverage for the electronics to be insured.
- The 12 93 predecessor was titled "Sound Receiving Equipment – Fire, Police And Emergency Vehicles."
Quoting notes
Get equipment values per vehicle anyway; the insured needs them for adequate physical damage values, and inland marine may be better for portable gear removed from vehicles.
