I am a SAR volunteer, I am volunteer for the local sheriff's department SAR team, as the sheriff's office is responsible for all SAR activities and responses. We do interagency work with other teams in other areas/counties within the state. We are 100% volunteer and their is no obligation to respond, and infact we only get about 30-40% of the team actually responding and going to a call-out typically. But we are covered under the sheriff's office's insurance and state insurance from the moment we leave our house or work and start responding (given we take the most direct route reasonably possible) our personal vehicle is covered, our gear we use is covered. Additionally our fuel can be reimbursed if we submit the receipt(s) for it. For the last 10years I have been doing this, this has how it's been. I have had equipment replaced that was lost and or damaged, I know of other members who have had their vehicles towed and repairs covered when they broke while on mission. Typically those types of coverages come from the state level and the sheriff's office insurance is covering you personally. We do not have SAR specific vehicles to use so we use out personal vehicles out of necessity. I also for the last 10years have been writing off all mileage -to missions, trainings, general meetings, and board meetings as well as any gear I purchase that I can use for SAR, and any modifications to my vehicle(s) that. Can/could be used in SAR.