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We understand that circumstances often require employees to use their privately owned vehicles (POV) for business purposes. It is important for employees, managers, supervisors at all levels to understand an employee’s personal automobile policy is the primary coverage for liability and/or damages when involved in an accident while on district business. This also includes Trustees, elected and appointed officials of the district.
Please be advised that the auto liability coverage your entity has through GSRMA is secondary and only becomes effective once the primary policy limits are exceeded. And while it may seem obvious to some, GSRMA does not provide coverage for physical damage to privately owned vehicles. It happens that there is confusion about who covers what in the realm of insurance and claims for damages…please let us know if you have any questions regarding how this applies at your district. As always, we are here to make muddy waters clear.
Some other best practices your entity might consider as you analyze the risks of driving and develop written driving policies are:
Does anyone at your district utilize rental cars? Utilizing a rental car and obtaining the insurance offered is an excellent risk transfer tool to cover the personal exposure presented by your business travel. If you DO NOT opt to take the insurance offered by the rental company, please be aware that your agency’s coverage will only be effective if you can show you were in the course and scope of employment when damages occurred. Again, please remember, GSRMA is a risk sharing pool and while we strive provide broad coverage to our members, we also aim to keep costs down to ensure the viability of all public agencies for years to come. Any other questions? Please give us a call at (530) 934-5633
Report damage to the supervisor or Department Head and complete an Accident/Incident Report. If applicable, contact the Elk Grove Police Department’s non-emergency number and report the accident/incident. Request for a police report detailing the property damage. Be sure to take photographs of the property damage.
Yes. The Incident Report form should be completed in ink with legible handwriting or typed, ensuring all fields are completed. Reports will be routed through the chain of command including the District’s Risk Manager, and accidents/incidents involving 9-1-1 calls or District employees, will require General Manager’s signature. If an incident results in an injury or accident, personnel will complete an Accident Report in addition to the Incident Report.