steve shryock

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Posts posted by steve shryock


  1. I'll look thru the VTL and check with a few friends who are attorneys that work for insurance companies and do the defense work on these types of accidents.

    The municipality may get a rider from their insurance company to cover a POV only for the times the POV is used in emergency mode. that is usually coordinated between the insurance companies, the insured (dept member) and the agents. The member must still maintian his personal coverage to cover him when not on official duties but there have been agreements in the past with endorsements on the policies that if, for example, a chief uses his personal vehicle for response then the department will only cover him for those responses. Finally there member may have to have very high liability limits, such as a million dollars per accident coverage (nys min auto insurance is 25,000/50,000).

    I will also check with the PD about the MV104 notations.

    Finally VAC officer POV may be the same as for firefighter.

    I'll make a few calls & research it. may take a few days though to get everyone's opinion.


  2. I don't want to high-jack the thread however, when a personal vehicle is used with lights and siren, should you comply with the NFPA standard for lighting on an emergency vehicle with 360 degree lighting coverage. Some lawyers would have a field day if someone was to get in an accident and only had a dash light and siren. I don't think you should risk your families financial situation. Protect yourself if you need 360 degree lighting to protect yourself than do it. I am not sure what the requirement is on POV running as emergency vehicle as it relates to lighting coverage.

    It's NYS V & T Law for emergency ights to be displayed 360 degrees


  3. Remember585

    I don't know if it still holds true, if you are in an accident with a fire vehicle and a MV104 is filled out there is a box that should be marked with the letter F (for fire). The accident was not to go on your personal driving record and insurance. Maybe some could give more info on the subject, I know this was true on the career side a number of years ago.

    The accident will go on your personal driving record. When you do your annual insurance review with your agent (takes about 10 minutes!) they will review the accidents and driving history to see if there are any changes but if you are driving, it is on your record.

    When I do this review with my clients (I have a lot of fire & police as clients) I will review this with them and find out the facts and circumstances of the accident and review it with my underwriter. If it's in emergency mode and I can document it with an official report (accident report or letter from dept) he will note that in the file and it will not be held against them for insurance purposes. They will not be charged higher premiums due to those accidents.


  4. Being that I sell auto Insurance I can tell you that your personal auto policy will NOT cover your personal vehicle if it is being used as an authorized emergency vehicle. Only a few insurance companies in New York will offer vehicle insurance on Authorized Emergency Vehicles so using your POV as an authorized emergency vehicle will definately cost you a lot more. The reasoning is just like a personal car being used as a business vehicle there is more exposure to being in accidents and they will charge you accordingly to your exposure.

    What I have seen is that the District or Municipality will specifically add that POV to their policy for Emergency Use only so they will defend & indemnify the "employee".

    POVs used in non emergency mode with blue lights are covered by personal auto carriers, no additional premium and if there are any accidents regardless of whose at fault, most do not surcharge the operator if they are responding TO an alarm, again as a POV non authorized emergency mode.


  5. It should be like the private sector,

    Best person for the job is hired.

    for promotions, they should put more emphasis on training, proven skills, and interviews and less on a test or any other crap that currently goes on.

    I'll say it again. Since there is a fraternal association for non caucasion firefighters based on skin color, then the powers that be (courts/ACLU/liberals etc) should not itch & moan if there is an association for caucasion firefighters.

    But as it currently stands with the idiots making these rules that would be labeled a racist group.

    I lost a job a few years ago because someone of color played his cards (yes the race card) and my position was eliminated to create a BS position for this other person. I went to EEOC and they said the company did not discriminate because they wanted to have more minority employees.

    Some people say I'm bitter but I have my reasons.


  6. since there are so many associations for people of color why not start an association for caucassion firefighters?

    That's right, in this world of hypocracy that would be racist, and who'd be screaming that: Vulcans and ACLU

    but what do they care, give them all they want because they are different based on skin color.

    BS. we all bleed red. if these groups want equality then that's what it should be EQUAL. TOUGH IF YOU DID NOT PASS>

    To JC & Frank: GIVE EM HELL. You should have had that bar on your sleeve years ago.


  7. As a first time vendor there it was a pleasure to be able to support this education event and knowing that there are proceeds going to worthy organizations such as Burn Care Everywhere. As an annual attendee for the educational seminars since the inception it was another excellent opportunity to learn.

    Thank you

    Steve Shryock

    and Steve Massa,

    Nationwide/JRN Insurance Agency


  8. It is a rare occurance for a firefighter to be struck by a firetruck. This is indeed a tragic incident and my prayers go to the Elizabeth FD and the member's family. I would love to see the final investigative report on this incident so we can try to prevent another similar tragedy.

    What a horrible way to start the new year.