The answer is “NO”, despite insurance industry claims to the contrary. The fact is that if a driver is negligent and causes an accident, the driver’s premium will go up based on pre-set actuarial tables whether or not the fire department generates an invoice. This is understandable in light of the fact that a typical cost recovery payment ($450-650) is less than 3% of the total claims for a given multi-vehicle incident, ($16,000 according to the National Highway Traffic Administration System).