Loading...
HomeMy WebLinkAbout608.001 - Injuries, Accidents, and Property Damage Section 608.001 Page 1 of 3 FIRE EXPLORER MANUAL INJURIES AND ACCIDENTS 608.001 INJURIES, ACCIDENTS, AND PROPERTY DAMAGE EFFECTIVE: JANUARY 2008 Current Revision Date: 3/01/22 Next Revision Date: 3/01/25 Author’s Name/Rank: Kerri L. Donis, Fire Chief Review Level: 1 Administrative Support: Annette M. Grieser, Executive Assistant ADA PURPOSE Fire Explorer program insurance is designed to provide protection for all Explorers and Post Advisors in the program. The coverage is to be utilized in the order presented below. APPLICATION If any injury occurs that requires medical attention, the Post Advisor, Designated Chief Officer, and the Fire Chief shall be advised immediately. All insurance claims will be forwarded to the Designated Chief Officer for processing and at no time will an Explorer or Associate Advisor forward claims to insurance companies or guardians unless directed to do so by the Fire Chief or Post Advisor. OPERATIONAL POLICY 1. Injuries to Explorers: When an Explorer is injured during any sponsored activity and supervised by the Post, including going directly to or returning from the activity, he/she is covered by insurance maintained by the Post. The insurance provides benefits for medical bills not covered by personal insurance. Example: If an injured member does not have personal insurance, the plan would pay all medical bills resulting from a covered accident up to the limits of the policy. If the member has personal insurance, the plan would pay any bills not covered by his/her insurance, such as deductibles, co-payments, excess charges, etc., up to the limits of the policy. Insurance Authorization Forms will be completed by the parent or legal guardian, signed and forwarded with the Department Explorer Applications to the Post Advisor for processing, and a copy will be maintained in the Explorer’s personnel file in the Post records. Section 608.001 Page 2 of 3 a. Coverage No. 1: This coverage utilizes the policy carried by the Explorer and/or his/her parents or legal guardian. This policy will be used to its maximum provided limits and when policy coverage is exhausted then Coverage No. 2 would apply. b. Coverage No. 2: Annual accident coverage is maintained through the Boy Scouts of America and Learning for Life Program. This policy provides a maximum of $1,000,000. 2. Injuries to Citizens: If a citizen is injured as a result of an Explorer’s action during Post activities, summon the necessary medical help and advise the Department as soon as possible. Remain at the scene until the arrival of a Department officer, who will prepare the necessary reports and do all the necessary follow-up work. 3. Traffic Accidents: c. Accidents involving Department apparatus or vehicles will follow normal Department procedures. d. In general: Get help for the injured. Request Fresno Fire Department’s (FFD or Department) 24 hour Investigator (I1), local police, or California Highway Patrol to investigate. Prepare a report and advise the Department as soon as possible by radio or phone. Prepare the accident report form provided in the vehicle glove compartment. Note: Do not talk to anyone other than the authorities about the accident. 4. Private Vehicles: Explorer owned vehicles will not to be used for Department business except in an extreme emergency where they are requested by an FFD officer. Under this condition, if a private vehicle is involved in an accident, the driver is to obtain medical aid for the injured, request FFD’s 24 hour Investigator (I1), local police or California Highway Patrol to investigate and prepare a report. As soon as possible, advise the Post Advisor, Designated Chief Officer, and the Fire Chief. Section 608.001 Page 3 of 3 OPERATIONAL GUIDELINE This section intentionally left blank. PROCESS This section intentionally left blank. INFORMATION This section intentionally left blank. DEFINITIONS This section intentionally left blank. CROSS REFERENCES No cross-references recognized.