Police Department Charges Covered by PAP?

I am writing to ask your opinion regarding whether the personal auto policy provides coverage/payment for charges levied by local police departments arising from their officers responding to a vehicle accident. As you may be aware, some local departments are sending invoices to at fault drivers to cover the, “costs”, of having the officers respond. I realize the insuring agreement promises to pay damages for “bodily injury” or “property damage” for which any “insured” becomes legally responsible because of an auto accident. However, I can't find anywhere in the policy that addresses this type of expense.

Pennsylvania Subscriber

You are indeed correct, the ISO PP 00 01 01 05 policy covers bodily injury or property damage for which the insured becomes liable, and any fees levied by local police departments for responding to the incident are neither. The supplementary payments section of the policy, which is where such coverage could exist, only provides for judgments, bail bonds, interest after a judgment, or expenses incurred at the request of the carrier. There is no coverage in the standard personal auto policy for fees for police response.

 

 

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