AUTO LIABILITY

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AUTO LIABILITY

• HOW DOES IT WORK?

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Agenda

• Reporting
• Coverage
• Actual Cases
• Safety Issues

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What we hope you take away

• Your duties
• Our responsibilities
• A better understanding of the partnership

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How do we get claims?

• The Network
• 1-877-656-7475

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Which claims should I report?

• Any accident that occurs while doing your
  official duties.
• It does not matter what vehicle you are driving.
• It does not matter whose fault it is.

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How long do I have?

• All auto claims must be reported within 48 hours.
• Call us from the scene
• Supervisor can call
• Insurance coordinator can call
• But whomever is going to call, needs to do it
  within 48 hours.

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What info do I need?

• Description of the loss
• Location of the loss
• Police dept.
• Other partys name, address phone number
• Its all on the little yellow card.

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Where do I get the information?

• At the scene
• It is the Drivers Responsibility to get the
  info.
• Do Not Wait for the Police Report.

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OOPS-I didnt get the name!

• Now YOU have to get the police report.
• Now YOU have to hear from us every few days.
• Now YOU may have the 3rd party calling your work,
  your home, your boss, your Governor.
• It is Extremely Important and yet one-third of
  all losses list the other driver as Unknown.

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Whats the Big Deal?

• It irritates the other party.
• Leads to more injury claims.
• Additional expense for downtime and rental.
• Higher settlements.
• Unprofessional/irresponsible.

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Benefits of this system

• Fastest reporting system in the industry.
• Payment is made on 53 of all paid claims within
  6 days.
• Gets claimants in touch with our office and away
  from yours.
• But it doesnt work unless you call in the
  proper information.

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Whos Covered?

• State employees while performing their official
  duties
• In state vehicles
• In personal vehicles
• In rental vehicles
• Some Volunteers
• Some students

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Whos Not Covered?

• Independent Contractors
• Staffing agency employees
• Any State employee in any vehicle while on
  personal business
• a) Lunch
• b) Store
• c) Picking up the kids
• d) Any personal activity

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What if I have Permission?

• Permission to drive a state vehicle does not give
  you coverage.
• The purpose of the trip and the status of the
  driver are the keys.
• We must be extremely careful in authorizing use
  of a state vehicle. The effect on the driver,
  the supervisor, and the agency could be
• catastrophic!

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Lets look at some claims.Mark down your answers.

• A CSB employee is taking clients on an outing and
  stops at the ATM to get money for her lunch.
• She hits the ATM.
• Covered?

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More on that one.

• What if the client is hurt from the shattering
  glass?
• Covered?

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Next Case.

• A DOT employee drives his personal vehicle to
  work, runs his routes and then is back in the
  office at noon.
• Goes out for a sandwich and takes the state
  vehicle.
• Covered?

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More on that one

• The DOT supervisor gives permission to drive the
  state vehicle and asks the driver to pick up food
  for several people in the office.
• Covered?

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Heres Another

• A University employee is going to the store for
  office supplies and the Dean asks that he stop by
  the bank to cash her check.
• Leaving the school he turns towards the bank and
  immediately hits a car.
• Covered?

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After that

• In that same scenario, at the bank, he backs into
  a child.
• Covered?

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Did you say Give me one more?

• The Director of your agency gets a rental Monday
  night for a meeting first thing Tues. in
  Savannah.
• Going home Monday, he stops at the dry cleaners
  to pick up a suit for the meeting. While turning
  into the parking lot, he hits an oncoming car.
• Covered?

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And then

• He always picks up the kids from school and today
  he hits the crossing guard.
• Covered?

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What a day!

• He offers to take the crossing guard to the ER
  and, at a light, his rental vehicle is rear ended
  and pushed into another vehicle.
• The Director, his child and the crossing guard
  are seriously injured, as is the driver of the
  lead vehicle.
• The vehicle behind him leaves the scene.
• What in the world is covered here?

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Answers

• Nothing
• Nada
• Zippo
• Zilch
• Once you start doing personal business, no matter
  what your reasoning, you are insuring yourself.

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Whats the rule?

• Convenience
• vs
• Necessity

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But what if?

• When in doubt, ask yourself Is this specific act
  part of my official duties?
• If notDONT DO IT

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Three words from the Governor

• Safety
• Responsibility
• Accountability

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Report My Driving

• This is a free program and yet every agency is
  not on board.
• Its not a big stretch from Report My Driving? to
  Hows My Driving Record?
• And from Hows My Driving Record? to Hows My
  Driving Record Going To Effect My Employment With
  The State Of Georgia?

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Help is on the way

• While we are holding all state employees up to a
  higher standard, we are going to help them and
  the agencies with more and better training and
  training tools.
• 30 of all state accidents involve hitting a
  fixed object.
• These are completely preventable and that is our
  first goal.
• Understand the Partnership-thats Loss Control.

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• Contact Information
• Risk Management Services
• 200 Piedmont Ave., SE, Ste.1208-West Tower,
  Atlanta, GA 30334
• Ed Finnegan
• Auto Liability Manager
• 404-463-7490 efinnegan_at_doas.ga.gov
• Georgia Department of Administrative Services
• Risk Managementits not just who we are, its
  what we do.