So, perhaps the were innocently taking a photo, but at the end of the day its all about public perception!
Hear hear. I was at a VA a year or so back, where a looie pulled out a camera and started taking photos of a near new BMW that had been written off. Driver, SAAS, SAPol all on site. Driver wasn't so happy and actually asked if the looie would like him to take a photo of the looie posing in front of the car... funny stuff.
There are times when taking a photo or two make be ok, or even necessary. But more often than not its innapropriate IMO.