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Ok, let us look at history: FEMA was legally barred from rendering aid in New Orleans because the proper emergency declaration had not been called and there was an uproar.
When I come across the scene of a car accident, I guess I would have to wait to render aid until after dispatch. My 30 years of experience tells me this could be a wait of up to 5 minutes if the dispatch center is busy.
Since rendering aid in an emergency was not part of his farming job, the entire claim should have been covered by Travelers; it was the firefighter training and dedication that dictated which job was being performed.
Once again, the courts erred in their decision.
If he was not a volunteer firefighter, but had extensive first aid training, Travelers would not have been asked to contribute. Maybe they should have/could have contributed something, but where is the requirement that they do it? Not necessarily a bad decision, even if you don’t like it.