Insurance 101 Cars and Property Are you covered? Presented by Carol Castillo, Risk Services Coordinator

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1 Presented by Carol Castillo, Risk Services Coordinator

2 Today s Agenda OVERVIEW: How UC manages auto and property insurance. SPECIFICS: A look at several key insurance programs.

3 Today s (Not So) Hidden Agenda: Loss Prevention Everyone is a Risk Manager... including you! Yes, take those risks BUT BE SMART ABOUT THEM!

4 Some examples: Loss Prevention Activities University property or assets usage Valid drivers license and insurance Require event waivers

5 How Are Employees Covered? Employees are covered by University insurance while acting within the course and scope of their employment.

6 How We Pay for Insurance The University is self-insured. Self-Insurance really means no insurance! Excess insurance covers catastrophic losses.

7 UNIVERSITY INSURANCE PROGRAMS

8 General Liability Provides protection for damage, loss, and injury to third parties

9 General Liability Third Party Losses Diseased/Fallen Trees

10 General Liability - Third Party Injury Claims

11 Property Program Property and buildings are covered for damage from perils such as fire, explosion, water damage Evaluate your department s occupied space and equipment for potential property perils and Take steps to reduce all risks.

12 Property Program Deductibles The amount your department budget pays before insurance kicks in depends upon the cause Investigation by Sedgwick to determine cause

13 Property Program Property and Equipment Damage

14 Reporting Stolen, Lost, or Damaged Property For theft, call Campus Police and complete a report. For fires, call 911 and Campus Fire Marshal (EH&S). Always call the toll free claims reporting number

15 When you bring personal property from home, if there is damage or loss, does the University pay for your items?

16 How are you insured when driving on the job? THE ANSWER TO THIS QUESTION DEPENDS ON TWO FACTORS: 1. Who owns the vehicle (University, Rental Car Agency, Individual) 2. What gets damaged (Person or Property)

17 UC Automobile Program Covers all University-owned vehicles The program covers: Damage to University vehicle Damage to other party s vehicle(s) Injuries to other parties Private or improper use of the vehicle invalidates the coverage!

18 Automobile Program Deductible The deductible for damage to the UC vehicle is $500 per occurrence. The driver s department pays the deductible

19 Automobile Program Restrictions Valid driver license for the type of vehicle used Use approved by appropriate campus official Tickets are the DRIVER S responsibility Authorized drivers: employees and formal volunteers Used for University business only

20 Damage Caused to UC Vehicles

21 What to do in case of an accident Remain calm. Aid the injured. Call 911 Get all contact and insurance information of all involved parties Get witness names and addresses Take pictures Complete the Vehicle Accident Report** Call to report the accident **if driving a University-owned vehicle

22 What NOT to do in case of an accident Do not discuss the accident with anyone other than police or a university representative Do not accept or deny fault Do not offer to pay for damages

23 Driving A Rental Vehicle on UC Business Companies which include insurance for UC drivers: Hertz ode=1&id=246 Enterprise/National ode=1&id=247

24 Renting from Agencies Without UC Agreements NO INSURANCE provided by UC Employee has personal Liability Employee s insurance is primary

25 Driving Your Own Car on University Business Your auto insurance policy provides the coverage If your vehicle is damaged your department may pay the first $500. If someone else s vehicle or property is damaged Your auto insurance policy If someone else is injured Your auto insurance policy If you are injured Workers Compensation

26 We are proud to present you the winners of our contest: SAFETY AT WORK

27 5th place The Painters

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29 4th place The air conditioner installer

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31 3rd place The WMD warehouse manager

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33 2nd place The Electrician

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35 And the winner is The city council maintenance team!

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37 With a special prize to The shooting gallery assistant

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39 Any questions?????????