How does a police department insure their vehicles?

Question

I am including crusiers, prisoner transport vans, suvs, motorcycles and boats. I am doing a school project and cannot find this answer anywhere.

Answer 1

Damage to city vehicles comes right out your (the taxpayers) pockets.

Answer 2

It totally depends on the size of the fleet.  A large city police fleet is self -insured because it is cheaper to absorb the repair or write-off costs than to have all vehicles covered by insurance.  Liability is different.  They will self-insure up to a limit for liability claims, but most cities have master policies for large liabilitity claims.

Small police forces insure just like the rest of us.  I registered and insured several vehicles for a small police force every year.  We also registered and insured the complete fleet of school buses for the municipality, however, we only insured to maximum $50,000 per bus, $200,000 liability, higher value losses were self-insured, and higher liability was on a master policy.

Answer 3

The city pays for all of that with our tax dollars.  

Answer 4

Counties, Cities , or states insure the vehicles with a fleet policy. In some cases the states set aside a certian amount of money in a fund and call themself (self insured) and all claims are paid from that fund.  

Answer 5

I think most cities and municipalities are self-insured. They don't deal with an insurance company. They pay for damages to their vehicles from their fiscal budgets. They may have an insurer to handle large liability settlements and claims.