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Vehicle Insurance Coverages
The University's automobile insurance coverage extends to all University vehicles used for authorized purposes. See SUU's Vehicle Use Policy. SUU employees who choose to drive their own vehicles for University purposes should understand their own insurance is primary coverage with University coverage as secondary. The University's automobile liability insurance imposes a $10,000 deductible on any accident involving a University vehicle in which the driver has received a citation within the 12 months prior to the accident for any of the following reasons:
This deduction is not operative if the driver has completed an approved Safe Driving Course subsequent to receiving the citation. An approved Safe Driving course video is available from Motor Pool. Property (damage/collision) insurance for University owned vehicles is available through the State Division of Risk Management. The deductible is $500 per incident.
Vehicle Accident Insurance Claim Procedures
CALL THE POLICE at the scene of the accident, if possible. The police will give an impartial report and document the time, place and damages done to the involved vehicles. It is important that a SUU Vehicle Accident Report be completed by the driver with accident details and an accurate description of the damages. If the vehicle belongs to Motor Pool, please contact them at 435-586-7792 to notify them of the accident. All SUU claims are submitted by SUU Risk Management Services to the State Division of Risk Management (DRM) in Salt Lake City. The DRM insurance adjuster evaluates the accident and repair details in order to authorize payment.
SUU at Fault -- SUU Vehicle
Damage is subject to the $500 deductible when insured. This also applies to single vehicle accidents (no fault) such as hitting a deer. The driver should call SUU Risk Management Services and submit:
The SUU vehicle's department is responsible for repair and payment to the shop. When insurance recovery is approved and received, SUU Risk Management will deposit a State of Utah check into the designated department account. If damages exceed the value of the vehicle, it is considered totaled. Only the State Division of Risk Management can determine if a SUU vehicle is totaled. The DRM will usually send an adjuster to assess the vehicle's damage and authorize a recovery check for the estimated value of the vehicle to the department. The vehicle will be towed off campus for salvage.
SUU at Fault -- Other Vehicle
The other vehicle owner should call SUU Risk Management Services and submit:
The insurance recovery check will usually be sent directly to the other vehicle owner who should arrange and pay for repair.
Other Driver at Fault -- SUU vehicle
The SUU driver should call SUU Risk Management Services and submit:
The SUU driver should contact the insurance agent of the other liable driver to get insurance recovery instructions. Risk Management can offer assistance in the initial contact, but recovery negotiations are often more efficient and timely when performed by the involved department.
Unsure of Liability
In some accidents no citations are given or fault is not apparent and may be split. In these cases, the SUU driver should refrain from statements regarding probable liability or inferences of commitment for the University. Call SUU Risk Management Services and submit:
The DRM adjuster will work with the other insurance agent and issue fair insurance recovery.