Just curious, when it happens, other than saving lives, would you also do photography to record the event in distressed situation?
If you do, what message you would like to bring out?
Impossible to answer, too many variables, as always when ethical issues and concerns are in play.
Most newspapers and news associations have, and hopefully follow, ethical guidelines that cover written articles as much as photographs. If you google "photojournalism ethics", you'll find a lot of info, most of it very similar (at least in US and Canada) regarding how to treat victims of accidents.
For example, here's an excerpt from the National Press Photographers Association's Code of Ethics:
Treat all subjects with respect and dignity. Give special consideration to vulnerable subjects and compassion to victims of crime or tragedy. Intrude on private moments of grief only when the public has an overriding and justifiable need to see.
Personal ethics are another matter. Personally, I don't see why one shouldn't follow the same code of ethics — "
Treat all subjects with respect and dignity" should be a universal principle, but some people feel otherwise, or have different views as to what constitutes "respect and dignity" (hello Bruce Gilden...)
There are other considerations, of course. Good photojournalists constantly ask themselves "should I shoot this?" and"why am I shooting this?", and there's no reason any non-photojournalist with a basic ethical conscience shouldn't ask him- or herself the same question.
The answer to your "What message would you like to bring out?" lies in the "Why am I shooting this".