Are volunteer firemen insured while traveling to and from a call in their personal vehicles?

A volunteer fireman that is involved in an automobile accident while responding to or returning from a call must first look to his or her personal auto insurance for coverage. The Pool will provide coverage for volunteers, but only excess of their personal insurance.

The Named Insured (city, village, etc.) always will be covered by the Pool on a primary basis if named in a suit for damages resulting from an auto accident involving a volunteer firefighter.