The Better Government Association recently published an editorial highlighting a growing concern among several fire departments in the Chicago area: charging non-residents for emergency services during motor vehicle accidents. This practice, often referred to as a "crash tax," is raising questions about fairness, transparency, and the ethics of billing accident victims.
According to a recent investigation by the BGA, at least 15 Cook County suburbs now charge non-residents for emergency responses to car crashes. These fees can range from hundreds to thousands of dollars, depending on the situation and the number of firefighters or equipment involved. Some departments charge hourly rates—up to $400 per engine and $75 per firefighter—while others use flat fees that can reach as high as $2,200.
What makes this issue particularly troubling is that these charges are typically not covered by the victim’s insurance, and they’re often sent directly to the individual, regardless of fault or severity. In some cases, unpaid bills end up with collection agencies, putting additional stress on people already dealing with the aftermath of an accident.
One such case involved Daryl Jenkins Jr., who was hit with a $390 bill after his brother called 911 for a small fire under the hood of his SUV. The Broadview Fire Department responded quickly, but Jenkins was surprised to receive a bill for the service. He wasn’t insured, and the claim was denied, leaving him with a debt he couldn’t afford.
Fire departments argue that non-residents don’t pay local property taxes, so they shouldn’t expect free emergency services. However, critics say this reasoning ignores the fact that many residents also rely on public services without paying for them directly. Furthermore, the fees collected are often far less than the actual cost of running a fire department.
This practice raises serious concerns. It can be seen as predatory, especially when it targets those already in distress. It also opens the door to potential abuse, where departments might overstaff or overcharge to increase revenue. Plus, the process is highly inconsistent, as it depends on whether the insurance company approves the claim or not.
While we understand the financial pressures facing municipalities, there needs to be a better system in place to protect accident victims. If fire departments are going to charge for emergency services, there should be clear guidelines, oversight, and protections to prevent exploitation.
It’s time for a conversation about how to fairly fund public services without placing unnecessary burdens on those who need help the most. After all, first responders are there to save lives—not to add to the stress of an already difficult situation.
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