Insurance for Self-Propelled Vehicles
Revised August 17, 2015
Table of Contents
.030 Insurance Coverages
.040 Reporting Accidents
Insurance for state vehicles is provided by the Berkshire Hathaway Homestate Insurance Company, Policy Number 02APM004824-02. The agent for this insurance is Lockton Companies, LLC, 444 W. 47th Street, Suite 900, Kansas City, MO 64112-1906.
All claims occurring after August 1, 2015 should be reported to the following:
Company Name: Berkshire Hathaway Homestate Insurance Company
Address: 3333 Farnam St. Ste. 300
Omaha, NE 68131
Telephone No.: 1-800-356-5750 (Toll Free) (24 hours)
Fax No.: 1-402-675-4260Contact: Paula Opal
Persons making these calls should immediately identify themselves as state employees to facilitate proper claim handling.
The state insurance policy provides the following coverage for all state owned self-propelled vehicles, such as cars; station wagons; buses; trucks; trailers; graders; utility vehicles (gators); tractors; scooters; motorcycles; mowers; forklifts; farm equipment and other self-propelled equipment.
A. Liability for Personal Injury: Amount of injury not to exceed $500,000 per accident.
B. Liability for Property Damage: Amount not to exceed $100,000 per accident.
C. Medical Expenses: Amount of medical expenses not to exceed $5,000 per person.
D. Injury Caused by Uninsured Motorist: Amount of injury not to exceed $25,000 per person per accident. Covers only cars, station wagons, buses, pickup trucks, heavy-duty trucks and certain other vehicles (Does not cover trailers, Groups 7, 8, 9, & 10.)
Limits of liability should be discussed only with KSU employees.
The insurance provides protection and benefits to the State of Kansas, Board of Regents, and its officers, agents, and employees when they are officially operating motor vehicles, owned, operated, maintained or controlled by the State of Kansas, Board of Regents, and for persons while riding in, entering or alighting from such vehicles.
Insurance protection covers vehicles used in the United States of America, its territories or possessions.
Accidents involving University and privately owned vehicles used for official state business are to be reported as follows: (Reports for private vehicles are necessary because the state insurance may partially apply in some cases depending upon the circumstances.)
A. By the driver by:
1. Immediately telephoning or otherwise notifying the appropriate law enforcing office as follows:
a. Accidents on Campus - notify KSU Police Department.
b. Accidents outside of the Campus - notify appropriate officials such as City Police, County Sheriff, Highway Patrol, etc., and
2. Immediately telephoning the claim office listed in PPM 3040.020 when an accident causes a serious personal injury, death or disabled vehicles, and
3. Signing and submitting a completed "Automobile Loss Notice" form to the Department Head, immediately following the accident. This form is required for all accidents. Copies of this form may be obtained from the Purchasing Office, http://www.k-state.edu/finsvcs/purchasing.
4. Signing and submitting a completed "Kansas Motor Vehicle Accident Report" form within 10 days of any accident in Kansas. These Kansas forms and instructions will be furnished by the patrolman investigating the accident. For all out-of-state accidents, use the instructions and forms provided by the patrolman investigating the accident.
B. By the Department Head by:
1. Reporting all accidents to their Dean's Office immediately, and
2. Forwarding the signed original of the "Vehicle Loss Report" form to the Purchasing Office (retain a photocopy). This form is available on K-State Purchasing website: http://www.k-state.edu/finsvcs/purchasing/forms.html
When there is a possibility that the other party is liable, the department head should arrange for the other party or his/her insurance company to pay for the cost of repairs to the state vehicle.
When the University driver is at fault, it is suggested that cost proposals for repairs of the state vehicle be obtained on the vendors' own estimate form. Upon receipt of the estimates, the department may order the repairs from the lowest bidder meeting all requirements. Payment will be made on an A.P.V. with the invoice attached.
As yearly premiums for this insurance become due, departments are notified by the Purchasing Office as to how the payment is to be made. The cost to each department depends upon the number and type of vehicles they own.
The policy of the University concerning the personal responsibility of state employees for damages to state vehicles which they are driving while on official state business is not to seek indemnification from the employee for damages to a state vehicle incurred as a result of that employee's use of the state vehicle for official state business. The only exception to that policy would be cases where the employee was driving the vehicle on other than official state business or where the damage was caused by the employee's gross negligence. "Gross negligence" is generally defined as conduct indicating a reckless disregard and complete indifference for the possible consequences of the person's actions. One such example would be driving under the influence.
An University employee whose ordinary negligence led to damages to a state vehicle will not be held personally responsible for damages to a state vehicle.
However, when University employees use the KSU Central Motor Pool vehicles, the department will be asked to pay for insurance to cover the damages over normal wear and tear or if they do not desire to pay the insurance premium the employee's department will be responsible to absorb the cost of any state vehicle damaged beyond normal wear and tear during a trip by that department's employee.
Any questions related to vehicle liability insurance should be referred to the Purchasing Office at (785)532-6214.