What coverage is available when a personal vehicle used for state business is involved in an accident?
If a state fleet vehicle was available and the state employee chose to use his or her personal vehicle, the employee’s personal vehicle insurance would be primary. The employee’s insurance would be the coverage for all of the damages resulting from the accident, i.e. physical damage to all of the vehicles and injuries to occupants of other vehicles. In addition, any insurance deductible payment would be the employee’s responsibility. In the event that the employee’s liability insurance limits become exhausted, the Risk Management Fund would then apply on an excess basis up to the limits. Of course, if the accident is the other party’s fault, that party’s liability insurance should be responsible for property damage and/or injuries sustained. If a state fleet vehicle was not available, the Risk Management Fund would be primary, covering damages to other vehicles (third parties) and injuries to occupants of other vehicles. The state of North Dakota provides “third-party” liability covera
Related Questions
- A state employee uses a private vehicle on state business and is involved in an automobile accident. Does Risk Management adjust the claim?
- What coverage is available when a personal vehicle used for state business is involved in an accident?
- What coverage is available when a state fleet vehicle is involved in an accident?
