NFOP President Makes Big Announcement About Federal PSOB

On April 9, National Fraternal Order of Police (“NFOP”) President Pat Yoes, former Louisiana FOP (“LAFOP”) President, announced changes to the federal Public Safety Officers’ Benefit (“PSOB”) program as it relates to COVID-19 deaths.

If you are not familiar with the federal PSOB program, it is administered by the Department of Justice’s Bureau of Justice Assistance. Click here for more information on PSOB. The PSOB program pays a benefit of $365,670 to the family of a law enforcement officer killed in the line of duty. PSOB also pays up to $1,248/month for education expenses for the children of an officer killed in the line of duty. Click here for more information on the PSOB benefit, which changes every year. Click here for the PSOB Fact Sheet.

The PSOB includes deaths caused by “infections diseases” already, but establishing that an officer died from an infectious disease contracted in the line of duty can be difficult. In light of the current circumstances as it relates to the SARS-CoV-2 virus and COVID-19, the resulting illness, the Department of Justice published new guidance regarding PSOB benefits.

In general, BJA will find that the evidence shows a public safety officer with COVID-19 contracted it in the line of duty, when (1) the officer had engaged in line of duty action or activity under circumstances that indicate that it was medically possible that the officer was exposed to the virus, SARS-CoV-2, while so engaged; and (2) the officer did contract the disease, COVID-19, within a time-frame where it was medically possible to contract the disease from that exposure. In addition, in the absence of evidence showing a different cause of death, BJA generally will find that the evidence shows a public safety officer who died while suffering from COVID-19 died as a direct and proximate result of COVID-19.

Of course, we would prefer that everyone is able to make it home from work at the end of every shift safely. Unfortunately, with deaths piling up across the United States, we know that is not reasonable. Some law enforcement officers have already been killed by COVID-19.

The guidance from the Department of Justice as it relates to PSOB benefits essentially makes the families of law enforcement officers who die from COVID-19 presumptively eligible for PSOB benefits as long as it is not medically impossible that the officer contracted COVID-19 in the line of duty.

Merely coming into contact with members of the public or co-workers makes it medically possible an officer is exposed to the SARS-CoV-2 virus. Hopefully, at some point soon, we will have a vaccine for this virus. Until then, every additional close interaction with another human being carries with it an increased risk of being exposed to the virus. The DOJ recognizes this in the 1st part of its guidance.

Additionally, it looks like symptoms of COVID-19 can begin as far out as 14-21 days from exposure to the SARS-CoV-2 virus. Furthermore, once someone develops symptoms, those symptoms could last for 14-21 days (or longer). The DOJ recognizes this in the 2nd part of its guidance.

Finally, the DOJ recognizes that if an officer was suffering from COVID-19 at the time of the officer’s death, it is most likely the death was caused by COVID-19 unless there is evidence of a different cause of death.

In short, the DOJ’s guidance to BJA is that as long as it is not medically impossible for an officer to have been infected by the SARS-CoV-2 virus and to have contracted COVID-19 as a result of “line of duty action or activity,” then BJA is going to assume that officer’s death to be eligible for PSOB benefits.

While this does not make reporting to work any safer, maybe it can provide law enforcement officers will a little sense of security that their families will receive the PSOB should they make the greatest sacrifice while protecting the public during this coronavirus pandemic. Many thanks to our hometown President, Pat Yoes. Furthermore, thanks to Attorney General Barr and President Trump for their support of law enforcement during this unique time in our history.

The Fraternal Order of Police is the world’s largest organization of sworn law enforcement officers, with more than 330,000 members in more than 2,200 lodges. We are the voice of those who dedicate their lives to protecting and serving our communities. We are committed to improving the working conditions of law enforcement officers and the safety of those we serve through education, legislation, information, community involvement, and employee representation. No one knows the dangers and the difficulties faced by today’s police officers better than another officer, and no one knows police officers better than the FOP.

NFOP President Pat Yoes is a Captain for the St. Charles Parish Sheriff’s Office.

The Louisiana Fraternal Order of Police, led by President Darrell Basco, has over 6,000 members statewide. The Crescent City Lodge, with President Walter Powers, Jr., has about 2,000 of those members in Louisiana. About 1,100 of those 2,000 members are active members of the New Orleans Police Department. The remainder of Crescent City Lodge members is mostly retired members of the New Orleans Police Department. The Crescent City Lodge represents about 90% of active NOPD officers from Recruits to the Superintendent of Police.

Note: While it is ultimately up to the deceased officer’s agency to submit the PSOB application, the Fraternal Order of Police has assisted agencies with applications for PSOB benefits on numerous occasions.

Donovan Livaccari,
General Counsel
Louisiana FOP

Safer at Home Video from LSU NCBRT

Below is a new video from the National Center for Biomedical Research and Training at L.S.U. The video provides some tips for people who work on the frontlines of the pandemic on how to make home a little safer for their families.

Happy New Year and some Advice on Disciplinary Investigations

First of all, I hope everyone had an enjoyable Holiday Season. It would be nicer if the Saints played like the offensive masters they are instead of letting the Vikings’ defense dictate the game. That being said, I know there are a lot of officers in New Orleans who were born and grew up in other parts of the country. If you’re not a Saints fan yet, I hope your team is faring better.

On a regular basis, I hear from officers “I didn’t want to bother you with something so minor” or “I know you are super busy, so I didn’t want to waste your time…” So, I want to get it straight.

First and foremost, you should call no matter how stupid or ridiculous the accusations may be.

What if you didn’t call at the beginning of the investigation? That’s ok. Calling is the important part. Got an email from Civil Service about a hearing you have to attend? Call me. I will help you out with that. Got a notice to render a statement? Call me. Got a call (or email if your computers are working) from your rank about scheduling a statement? Call me. Don’t think they can do whatever? Call me,

The fact is that sometimes I can be busy. That is because my practice is all about representing law enforcement officers. If you call and I can’t answer, leave a message or send a text message. You can send documents by texting or emailing photos of the documents.

The FOP’s Legal Defense Plan allows officers to benefit in so many ways that I can make my practice about representing law enforcement officers. It is important to remember that as a member of the FOP Legal Defense Plan, the attorney-client relationship exists between me and the officer. The FOP Legal Defense Plan acts only as the third-party plan administrator on behalf of the Legal Defense Plan. The FOP is not a part of the attorney-client relationship and doesn’t have any decision making authority in how a case is handled.

The FOP’s Legal Defense Plan covers administrative disciplinary investigations (on or off-duty), criminal investigations (on or off-duty – there may be some limitations to off-duty coverage), and defending civil actions related to an on-duty incident (secondary to primary coverage of employer). This legal protection is provided to accused officers or witness officers. In addition, the FOP will provide 2 hours of legal services per year for any legal need (Crescent City Lodge only) and 4 hours of legal services per year for family law issues (Crescent City Lodge only). The FOP also provides free notary services without limitation (Crescent City Lodge only).

The only trick to accessing these amazing legal benefits for law enforcement officers is to be an FOP member and pick up the phone and call or text — simple as that.

Yes. It was offensive pass interference.

Disciplinary Investigations and Off-Duty Conduct

This time of year, it is inevitable that an officer or two get in trouble for off-duty conduct. Sometimes the off-duty conduct leads to significant disciplinary action. The FOP will be there for you, as always, but, generally speaking, it is easy to avoid the off-duty behavior that comes to the attention of the Public Integrity Bureau, or Internal Affairs as the case may be.

The vast majority of discipline related to off-duty conduct is related to sex or the use of alcohol.

As police officers, you see it every single day. People who have been drinking make poor decisions. I’m just going to go ahead and say the obvious – Police Officers who have been drinking make poor decisions too. You may be able to get some professional courtesy on a regular traffic stop (and you might not – some officers are real nervous with a BWC and an ICC recording their every word and move), but if you are involved in an accident, the officer may not have any choice but to take action. A close relative of mine was stopped by an officer who used to be one of my subordinates. We did not have a contentious relationship and I helped him out quite a bit. I was surprised to learn that particular officer had arrested someone he knew to be a close relative of mine when he could have just as easily given him a ride home. My relative had not been involved in an accident or anything like that, it was a simple traffic stop. The point is that today’s political atmosphere makes it less likely that officers exercise any type of discretion.

It’s not just driving either. Alcohol can make it seem like a good idea to start an argument with the guy sitting on the barstool next to his. Alcohol can make it seem like a good idea to start a fight with an ex-husband. Did you know it is legal for an officer to carry a concealed firearm in an alcoholic beverage outlet? La. R.S. 14:95.5 allows it, as does the federal laws known as LEOSA. If, however, you think it is a good idea to carry a concealed weapon in a barroom, I would have to ask you if you are drinking while reading this. Just don’t do it. Just FYI, you are not covered by LEOSA if you are intoxicated. Also, for the New Orleans Police Department, Rule 3, Professional Conduct, Paragraph 9, Use of Alcohol/Drugs Off Duty, says that commissioned personnel are forbidden from carrying firearms in an ABO, while consuming alcohol, or while intoxicated. Part of that rule may still violate LEOSA, but La. R.S. 14:95.5 allows the Superintendent to make it a violation of Department rules to carry a firearm in an ABO.

Sex is the next source of off-duty disciplinary action. It is not a good idea to hook up with people you meet on calls for service. It does not matter if they are the complainant or the subject of the complaint.

If you come across someone who looks like they could use a ride home, make sure it is to their home and not yours. Make sure the dispatcher knows about it and that all of the transport mileages are recorded. Finally, make sure all of the recording devices you carry around these days are activated.

There are also police officers involved in abusive relationships. Now, I understand this is not as simple as just saying “don’t do it.” I would, however, like to encourage any officer involved in an abusive relationship to seek help. At the New Orleans Police Department, Cecile Tebo is available at no cost through the Office Assistance Program to help however she can. No matter where you are or what department you work for, there is help available somewhere. Take advantage of that help before you lose your job over it.

The standard, as is always the case, is that the alleged infraction must bear a real and substantial relationship to the efficient operation of the public service. The Courts in Louisiana have applied that rule fairly liberally. That means that if your Department believes there is a real and substantial relationship between the alleged dereliction and the efficient operation of the public service, the Courts are likely to go along with that.

As we are recently reminded by the Louisiana Supreme Court, neither the Commission nor a reviewing court should “second-guess” an appointing authority’s decisions. See Lange v. Orleans Levee District, 10–0140, p. 17 (La.11/30/10), 56 So.3d 925, 936. The Commission and a reviewing court may intervene only when the appointing authority’s decisions are arbitrary and capricious or characterized by an abuse of discretion. Id. Moreover, neither the Commission nor the reviewing court may serve as a de facto pardon board. Id. “[S]ympathy is not a legal standard.” Id.

Chinh Nguyen v. Dep’t of Police, 2011-0570 (La. App. 4 Cir. 8/31/11), 72 So. 3d 939, 944.
I hope everyone has had an enjoyable Holiday Season and that none of this advice is necessary. If it becomes necessary, call me.

VERY IMPORTANT – 1st Amendment Update

UPDATE (8/1/19) – I started off with warnings not to share your political ideas on Facebook or the like. My recommendation has changed. Do not post anything on Facebook, Twitter, or the like. There are no privacy settings that will protect you. Sometimes it takes it hitting home to really make the message clear. 2 Gretna Police Department officers fired for one Facebook post. However, these days, hitting home does not mean it only hits home. The story of the 2 Gretna officers fired for Facebook posts can also be found in the New York Times. One of the Gretna officers wrote a post. The other officer merely clicked “Like” on the post. Play around with the search bar on Facebook. It is much more powerful than you might imagine. Search Google for tips and tricks for the Facebook search bar.

Just don’t do it. If you want to share pictures of your newborn child with your relatives spread across the country, go ahead – use Facebook – you can’t beat it. However, if you have a joke, a meme, or anything like that, keep it to yourself. When is the last time you tried to convey humor or sarcasm in a text message and it failed completely? It is very difficult to convey emotion or feeling. The same is true with Facebook. To make matters worse, there are those who don’t understand that articles in The Onion are satire, or what satire is. There are people who really believe that the United States Postal Service would create a  commercial to brag about the number of fingers shipped by kidnappers. They are quite comical. You will find at least some of them amazing and amusing. However, what you wrote as a police officer can and will get you fired. Hitting a “Like” button is reported in the New York Times.

We post the FOP newsletter in the Crescent City Lodge Facebook Group. Anything wrong with reading that there? No. You probably cannot post in the Crescent City Lodge Facebook Group at all — well, not without approval. Why? It is for your own protection. There is no such thing as privacy on the Internet and nothing goes away. There are some things that are completely beyond your control. This is not one of those things. Educate yourself and protect yourself – click here.

Continue reading

Do you want to be in the movies?

I received an email from Central Casting Louisiana. The test of the email is below. Anyone who is interested (and available) can email Hunt@CentralCasting.com.

Continue reading

2017 in Review

At the beginning of the year, I like to review and compare the prior year’s activity with other years. In addition, since there have been so many new hires at NOPD, it always helps to give some context to the system that most officers don’t come into contact with often enough to be familiar with.

The FOP continues to provide the best legal assistance for law enforcement officers through its Legal Defense Plan. The Legal Defense Plan offers its members legal representation for any administrative disciplinary proceeding, civil defense resulting from on-the-job actions, and criminal allegations. There is no judgment involved. If a member requests legal services, they get it.

There is no situation which is too big or too small. The Legal Plan is set up to be able to handle situations that garner national attention. At the same time, we recognize how much law enforcement officers value their service record and we treat the most minor of circumstances with the same attention.

It is most beneficial to everyone when an officer who finds themselves involved in any way in one of the covered types of events contacts us as early as possible. I got a call from someone recently who had resigned under pressure to do so and felt like it shouldn’t have gone that way. I can’t argue with that – I don’t think anyone should be pressured into resigning without at least having the opportunity to meet with counsel. However, this person didn’t call until after he had resigned. As much as I would have loved to be able to help, the act of resigning eliminates almost every avenue of redress. So, call early and stay in touch.

My brother-in-Law, Corey Lloyd, was admitted to the Louisiana Bar in 2017. He had been helping me with Civil Service appeals while he was in law school. Since he is now a certified member of the Bar, he is now available to assist in situations which call for more than one attorney or when calendar conflicts prevent me from being somewhere. It is always nice to have another attorney committed to helping FOP members. He has also been helping FOP members with Family Law issues. The FOP offers a $400 (4 hrs at $100/hr) benefit per year to each member for Family Law issues.

2017

In 2017, I represented 410 individual officers in one capacity of another. That is up a little from 2016’s 398 officers. For those 410 officers, I appeared with FOP members at:

  • 103 disciplinary hearings (up from 83 in 2016)
  • 251 Statements (up from 228 in 2016)
  • 102 Civil Service Extension Request Hearings
  • 17 Accident Review Board Hearings (down from 36 in 2016)
  • 13 Civil Service Appeal Hearings (down from 23 in 2016)
  • 2 Officer Involved Shootings

In addition, I assisted FOP members with:

  • 85 Notary Service
  • 31 Personal Legal Needs
  • 10 Negotiated Settlements

While it appears that complaints were down a little from 2016-2017, it was still a busy year. Improvements were made to the disciplinary system in the penalty matrix and the use of BWC’s to clear complaints. Civil Service appeal hearings are down primarily because more Civil Service appeals were settled amicably before a hearing was necessary. The Personal Legal category refers to legal needs of members that are not covered by the Legal Defense Plan. The FOP offers each member a benefit of 2 hours of legal services per year for things outside of the Legal Defense Plan. This might include wills, living wills, successions, etc. It is separate from the Family Law benefit. Notary services are available to FOP members at no cost. I also continue to serve as Employee Representative for Crescent City Lodge members, helping them to address almost any employment related issues with NOPD.

At Livaccari Law, we also represent officers who have been involved in automobile or motorcycle accidents on a regular basis. My father, Tony Livaccari, heads up that aspect of the practice with more than 30 years of experience. Anyone who has worked with Tony knows that he looks out for FOP members.

I cannot stress enough the importance of picking up the phone and calling. I will respond to the scene of officer involved shootings. We can’t help when we don’t know a member is in need of help. In addition, as noted above, sometimes things happen which preclude our helping in any meaningful way. So, as I stated above, call early on. Nothing is too trivial and I’m not too busy to talk, even if I have to call you back – you can always text.

As I have stated numerous times, I feel as though I am blessed to be able to represent FOP members. I was admitted to the Louisiana Bar after serving 11 years with NOPD. I started representing law enforcement officers, primarily in New Orleans, in 2008 when I retired from NOPD. I still spend the majority of my time representing NOPD members. I do represent FOP members in other jurisdictions in Louisiana and do work for both the Crescent City Lodge and the Louisiana State Lodge. I look forward to doing more of the same in 2018. Additionally, the addition of Corey Lloyd to available counsel will make it easier to do this job better. So, thank you to the FOP Crescent City Lodge, particularly Jimmy Gallagher, who got me involved with the FOP back in 2004. Thanks to Darrell Basco, President of the Louisiana FOP, for allowing me to represent the over 6,000 FOP members in Louisiana. Finally, thanks to you, the FOP members for keeping me on your speed dial.

5th Circuit Court of Appeals Upholds Termination of Wife-Swapping Deputies

There is an interesting case that would normally fall in the “Hard to Believe” category and remembered only for its entertainment value. Unfortunately, the case comes out of the U.S. 5th Circuit Court of Appeals. Therefore, the case sets precedent in the federal court circuit in which we live. The case is Brandon Coker and Michael a Golden v. Julian Whittington and Charles Owens. The case arises out of the Western District of Louisiana (we are in the Eastern District of Louisiana) and involves two Sheriff’s Deputies. Since they are Sheriff’s Deputies, they are at-will employees and do not have Civil Service protection.

The case involves two employees of the Bossier Parish Sheriff’s Office, Coker and Golden. Coker and Golden swapped wives. Actually, they swapped families. Golden moved into Coker’s house and Coker moved into Golden’s house. Nothing else changed and nobody got divorced. When Chief Deputy Owens learned of this arrangement, he told Golden and Coker that they either went back to their own homes or they would be considered voluntarily terminated. Needless to say, the two deputies did not comply with the Chief Deputy’s instructions. They were terminated for a provision of the Sheriff’s Code of Conduct that states employees must “Conduct yourselves at all times in such a manner as to reflect the high standards of the Bossier Sheriff’s Office … [and] Do not engage in any illegal, immoral, or indecent conduct, nor engage in any legitimate act which, when performed in view of the public, would reflect unfavorabl[y] upon the Bossier Sheriff’s Office.” This is similar to NOPD’s Professionalism rule. They were also charged with failing to notify a supervisor of a change of address within 24 hours.

One thing that is disconcerting about this case is that Coker and Golden lost not once, but twice – Western District and the 5th Circuit. The District Court held that the disciplinary action was to be upheld because the policies at issue are “supported by the rational grounds of preserving a cohesive police force and upholding the public trust and reputation of the Sheriff’s Department.”

The 5th Circuit Court of Appeals held that precedent in the 5th Circuit has uniformly upheld terminations for sexually inappropriate conduct. Furthermore, the Court held that there are no decisions which stand for the proposition that an officer’s freedoms to associate under the 1st Amendment means freedom to associates with the other’s wife before a formal divorce. They went on to say that pursuant to the U.S. Supreme Court’s holding in Garcetti, public employees “shed some of their constitutional rights as a legitimate exchange for the privilege of their positions.” They went on to say the rule was not constitutionally vague.

The rest of the justification for the holding speaks best for itself. So, here is the Court’s reasoning:

We find no reversible error of fact or law in the district court’s decision. Sexual decisions between consenting adults take on a different color when the adults are law enforcement officers. Their enforcement duties include, for instance, crimes of human trafficking and spousal abuse that place them in sensitive positions with members of the public. Their involvement in relations that openly and “notoriously” violate the legally sanctioned relationships of marriage and family is likely to besmirch the reputation of the Sheriff’s Department and hinder its ability to maintain public credibility. Moreover, these officers’ extramarital relationships, even if consensual and loving at the outset, have great potential to create internal dissension within the force. Finally, it is not hard to envision how the existence of Coker’s and Golden’s cohabitation with each other’s wives prior to divorce and remarriage might be adversely used in litigation concerning the deputies’ official conduct.

 

The Supreme Court’s recent decision in Obergefell v. Hodges does not alter applicable law. ––– U.S. ––––, 135 S.Ct. 2584, 2598, 192 L.Ed.2d 609 (2015). Whatever ramifications Obergefell may have for sexual relations beyond the approval of same-sex marriage are unstated at best, but Obergefell is expressly premised on the unique and special bond created by the formal marital relationship and children of that relationship. Id. at 2594–95. Obergefell does not create “rights” based on relationships that mock marriage, and no court has so held.

While I don’t think I would recommend house-swapping, I am baffled by the connection between an officer’s ability to investigate human trafficking or domestic violence and the officers’ decisions to swap households. The moral to this story is that, as law enforcement officers, one cannot rely on the Constitution to provide the protection is does for everyone else – at least in the eyes of some ultra conservative jurists.

The case can be downloaded here (.pdf): Coker v. Whittington, 858 F.3d 304, 2017 WL 2240300 (C.A.5 (La.)), 2 (C.A.5 (La.), 2017)

URGENT NOPD EMPLOYEES – Take-Home Vehicles

THE FOLLOWING IS EXTREMELY IMPORTANT FOR NOPD EMPLOYEES:

The New Orleans Police Department, like many other police departments, issues take-home vehicles to some employees.  In fact, the NOPD intends to expand the number of take-home vehicles in use by department employees soon.  Recently, the NOPD ordered the first 100 of 400 new police vehicles which will be issued to FTO’s and platoon personnel.  For those officers who are issued take-home vehicles or may be issued take-home vehicles in the future, it is imperative that these officers understand the City’s take-home vehicle policy or risk personal liability in connection with these vehicles.

CAO Policy Memorandum 5(R) states that the NOPD can assign marked take-home vehicles to officers who live in Orleans Parish and travel to and from work to that location in Orleans Parish.  Otherwise, officers must live in Orleans Parish and have less than a 40-mile commute and be available and regularly called out on a 24-hour basis (think unmarked cars for detectives).  CAO Policy Memo 5(R) further states that officer assigned take-home vehicles can only use these vehicles for official purposes, including details, with one big exception.  Officers assigned take-home cars are allowed to use these vehicles for personal use when they are incidental to driving to or from work.  In other words, an officer can stop at the cleaners on the way home to pick up clean uniforms, assuming the dry cleaners is not in Tangipahoa Parish.

City vehicles should not be used to perform personal business. However, in some instances, take-home vehicles may be used to perform incidental, personal errands outside the course and scope of City business, so long as the errands are conducted to and from work without significant deviation, are brief in nature, and do not detract from the employee’s activities as a public servant.

This leads to the BIG CATCH.  The City is self-insured.  As such, it regulates its own insurance policies in conjunction with state law.  With regard to take-home vehicles, if an officer uses the vehicle for personal use, including driving to and from details, the City WILL NOT PROVIDE INSURANCE COVERAGE OR REPRESENTATION in the event of an accident and a lawsuit.

Such limited personal use, while permitted, does not fall under any coverage provided by the City’s self-insurance program.

CAO Policy Memo 5(R) Sec. XVI, Paragraph F reads as follows:

Insurance: Each Department or Authorized External User, authorized by contract, will require that every employee with a take-home vehicle provide a copy of their current personal automobile insurance policy or their current personal non-owned automobile insurance policy to the Appointing Authority. It shall be the responsibility of each department to ensure that insurance policies or proof of insurance coverage are submitted as they are renewed. Copies shall be provided to the City’s Risk Manager.

 

Vehicle use outside the scope and purpose of employment by the City, whether permissible or not, is not covered by the City’s self-insurance program. [Note that Authorized External Users are not covered by the City’s self-insurance program – See Certificate of Insurance Letter] Every employee with a take- home vehicle must endorse their current Personal Automobile Policy to provide coverage for Non-Owned Autos, including Physical Damage Coverage and provide evidence of the coverage in force. Minimum personal automobile insurance coverages and limits required of employees with take-home autos are as follows:

 

i. Automobile Liability, Bodily Injury and Property Damage Liability – Mandatory State Minimum Financial Responsibility Limits.
ii. Uninsured Motorist – No less than the Minimum Financial Responsibility limits, or your liability limits, whichever is greater.
iii. Comprehensive and Collision – Any deductibles will be the sole responsibility of the employee and will not be borne in any way by the City, for damage due to accidents outside the scope and purpose of employment by the City.
iv. Non-owned coverage including Bodily Injury and Property Damage Liability and Physical Damage (“Comprehensive” and “Collision”).

 

Any employee with a take-home vehicle that does not own a personal vehicle or have a Person Automobile Insurance Policy in force must purchase a Personal Non-Owned Automobile Liability and Physical Damage Coverage (“Comprehensive and Collision”).

 

The Auto Liability limits shall be at least the Mandatory State Minimum Financial Responsibility Limits for bodily injury and property damage. Any deductibles will be the sole responsibility of the employee and will not be borne in any way by the City, for damage due to accidents outside the scope and purpose of employment by the City.

Police Officer Jason Samuel was involved in an automobile accident driving his take-home police car on November 14, 2010.  Officer Samuel was on his way home from a detail when, while sitting at a red light, his foot slipped off the brake and he struck the vehicle in front of him.  Fortunately for Officer Samuel, he was a member of the FOP Legal Defense Plan.  The City Attorney’s office advised Officer Samuel that they would not be representing him in connection with the lawsuit following this accident.  Officer Samuel’s insurance company told him the same thing.  Officer Samuel was ultimately represented by Tony Livaccari, Livaccari Law, through the FOP Legal Defense Plan.  While the FOP Legal Plan provided Officer Samuel an attorney, it did not pay the settlement in the matter.  Ultimately, that would end up costing Officer Samuel more than $5,000.00.

Police Officer Robert Ponson is in the same boat.  Officer Ponson was involved in an accident on the way home from a detail and was involved in an accident in his assigned take-home vehicle.  Officer Ponson was also advised that the City Attorney would not provide him with representation since he was on the way home from a detail.  His insurance company indicated the City should be representing him.  Again, the FOP Legal Plan will be providing representation for Officer Ponson.

It is imperative that officers who are assigned a take-home vehicle call their insurance agents or insurance companies and arrange for non-owned vehicle coverage.  Officers should make the situation perfectly clear.  If the insurance company does not write that coverage, then the officer needs to either get an additional non-owned vehicle policy, change insurance companies, or give the take-home vehicle back.

Officers have to understand that their personal assets are exposed should they get in an accident if they are not properly insured.  It is simply not worth the risk to operate a take-home vehicle if the security of the officer’s family is compromised.  Soon, the NOPD will be offering 400 take-home vehicles to officers who might not otherwise have the opportunity to be assigned a vehicle.  The temptation will be strong.  Leaving the car at the station is not an option if the car will be used to drive to and from details.  The bottom line is get the insurance or give the car back and make sure you belong to the FOP and the FOP Legal Defense Plan.