June 06, 2025

Area fire departments and districts seeking new revenue streams (more)

The Better Government Association recently published an editorial addressing a concerning trend among several local fire departments, where they began charging non-residents for assistance provided during motor vehicle accidents. This practice has sparked significant debate and raised questions about fairness and responsibility in emergency services.

As part of our mission at the Better Government Association, one of our primary goals is to identify potential red flags that could signal future challenges. Recently, we conducted an investigation revealing a worrying pattern emerging across various Chicago-area fire departments. However, this issue isn’t related to any immediate crisis or fire hazard; instead, it involves a subtle yet impactful shift in how emergency services are funded.

This new concern revolves around what some are calling a “crash tax.” More and more communities are adopting this approach as fire departments face increasing financial pressures. Our findings indicate that at least fifteen municipalities in Cook County have started billing non-residents for emergency responses following car accidents. This means that if you're involved in a crash, you might receive a bill even if the accident was minor or wasn’t your fault.

Some departments charge based on hourly rates—anywhere from $250 to $400 per engine dispatched and $35 to $75 per firefighter—while others impose flat fees ranging between $435 and $2,200, depending on the severity of the situation. These charges apply regardless of whether the response involved rescuing someone from a wrecked vehicle or simply managing traffic flow and clearing debris.

Traditionally, these services were funded through local property taxes paid by residents within the jurisdiction of the responding fire station. However, cash-strapped towns and villages are now exploring alternative ways to fund their operations, leading them to pursue payment directly from auto insurers covering the affected drivers. The idea behind this move is to offset operational expenses by recovering costs from insurance providers.

Yet, complications arise when drivers lack insurance coverage or when claims get rejected. In such instances, unpaid debts often wind up in collections agencies. Take, for example, Daryl Jenkins Jr., a resident of west suburban Berkeley. Last year, he received a bill after a minor fire erupted under the hood of his SUV. His brother, who was driving at the time, called emergency services, and the Broadview Fire Department quickly extinguished the flames in less than 12 minutes. Despite this quick intervention, Jenkins was billed $390—a sum comprising $250 for the engine response and $35 per firefighter, adding up to four responders.

Jenkins expressed shock upon receiving the invoice, highlighting the emotional toll such incidents can take on individuals already dealing with the stress of a vehicular mishap. Similar stories abound, with many drivers facing unexpected financial burdens post-accident.

The Broadview Fire Department defends its policy by arguing that non-residents do not contribute to local property taxes and thus shouldn't expect free emergency aid. Other departments echo this rationale, despite the fact that these charges represent only a small portion of overall departmental expenditures.

It’s undeniable that maintaining fire stations entails substantial costs. We aren’t suggesting that first responders alter their practices; rather, we emphasize the importance of balancing practical needs with ethical considerations.

This trend raises several critical issues:

    • Charging accident victims, especially those already coping with physical or emotional distress, seems exploitative, particularly when it leads to debt collectors pursuing payment.
    • There's potential for abuse here, as fire departments may deploy excessive resources merely to inflate invoices.
    • The system is inherently unpredictable, hinging entirely on insurers' willingness—or refusal—to cover claims.

We recognize the necessity of finding innovative methods to prevent property taxes from spiraling out of control. Nevertheless, if more fire departments intend to adopt these fee-based models, they must implement safeguards ensuring protection for those unfortunate enough to find themselves saddled with surprise bills following a collision.

Thanks, Dan.

While the intention behind introducing these charges might stem from legitimate fiscal concerns, it's crucial to ensure that such policies don't inadvertently add undue hardship onto vulnerable populations already grappling with the aftermath of accidents. Moving forward, dialogue between policymakers, firefighters, and community members will be essential in crafting solutions that uphold both financial sustainability and public trust.

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