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Ohio Fire Chief Association
Columbus, OH
Tennessee Fire Chiefs Association
Murfreesboro, TN
Ohio Association of Chiefs of Police
Columbus, OH

We work with law enforcement and fire services assisting in offsetting costs associated with various types of negligence. Our solution is to recover these costs from the responsible parties insurance provider and recycle those funds back into public safety budgets. This solution-based program will ultimately protect tax dollars, keep our safety service departments intact, citizens safe, and minimize insurance liability costs.

This solution-based program provides a direct benefit to innocent, hardworking taxpayers, safety service departments, and insurance providers. Appropriately-funded departments provide for a safer community, which limits liability costs to the insurance industry. This then grants citizens lower insurance premiums while protecting insurance providers’ profits by limiting their liability costs.

Budgets are seriously stressed. Public safety is at risk and as a result—station closings, staff reduction often can result in increased response times. An unintended consequence is citizens facing an increased risk of damage, crime, injury, and deaths. Insurance companies stand to lose as well because their profit margin would be negatively affected.

Our Mission

R. Moore Solutions (RMS), based in Ohio, is not only passionate about public safety but is also committed to protecting their budgets. We dedicate our time, resources, and experience in responding to the serious needs expressed by fire and police departments, as well as community leaders across the country. We provide our clients’ results and full transparency, and we are proud to be viewed as National Leaders in recovering these types of costs with our focus on helping safety service departments and the communities they serve.

We are determined to lead the way. We set strong standards by maintaining stringent policies in billing only the negligent party and their insurance provider, and by evaluating the police and fire departments’ actual costs of doing business and billing for their services accordingly. We at RMS have found that billing “flat” or “tiered” rates are viewed by many insurance providers as arbitrary, leading them to often refuse to make payments. We’re also committed to keeping our clients apprised of any legislative issues happening state by state and how those events may affect their individual communities directly.

Frequently Asked Questions

Why do we bill for negligence?

Similar to other user type fees this program is a solution designed to remove an unfair tax burden from ALL innocent taxpayers and focus only on the negligent party and their insurance provider. Insurance companies lobbied and won legislation, legally mandating that all citizens must carry insurance. This decision was based upon the premise that they would then cover costs associated with their policyholder’s negligence.

Who is billed?

The negligent party’s insurance would initially be billed. If insurance declines payment then the negligent party is then fiscally responsible.

What if the negligent party is not insured?

Insurance is legally mandated. The uninsured negligent party would be billed directly.

Will assessing user fees for negligence raise my insurance rates?

No. Your State Insurance Commissioner controls insurance rates. If your premium were adjusted, it would simply be because you were negligent, deeming you to be a higher risk. This would occur regardless of this program or additional claim.

What if my insurance does not cover me?

Residents are exempt from any out of pocket cost provided no crime was cited. A non-resident would be held financially responsible if all efforts are exhausted and your provider declines payment.

Is this double taxation?

No. It is the exact opposite. Taxpayers are exempt. Negligent user fees prevent insurance companies from receiving double profits.

Is this an unwelcoming sign to neighboring communities or tourists?

No. Incentivizing safety creates a safer commute and community, which also aids in reducing insurance rates. Tolls, hotel tax, recreational and park fees are clear examples of other types of user fees. This program does not hinder visitors or tourism.

Are youinterested in more information?

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