The college does not carry comprehensive or collision insurance on fleet vehicles. Liability coverage is provided by our participation in the State Office of Risk Management Insurance Program. This program will pay for damages to the other driver's property or injuries sustained in an accident when the driver of the college's vehicle is at fault while operating the vehicle in good faith on official college or state business.
In the event of an accident, the operator’s home department will be responsible for the costs of the repair unless the damage is due to normal wear and tear or is covered by another vehicle's insurance.
Driver liability: If an accident occurs due to the gross negligence of the driver, i.e. driving under the influence of alcohol, reckless driving, etc. or if the vehicles was not being used for "official college or state business", the State may elect not to defend the driver in the event a lawsuit is filed. The driver would then be responsible for providing his/her own defense.
The State may also choose to subrogate part or all of the claim to the driver or actually file suit against the driver to recover damages if there is evidence of gross negligence or unofficial use.