All accidents, regardless of fault, circumstance, or severity must be reported to the Five College Insurance and Claims Specialist immediately. The following information will be needed to file a claim:
- A copy of the police report (if available);
- An accident report completed by the driver of our vehicle;
- Photos of the damage;
- If a rental vehicle, a signed copy of the rental agreement
- If it is an accident with a rental vehicle, it is critical to provide the rental company with our office’s contact information for their claim as well as providing our office with copies of all correspondence received from the rental company.
If your personal vehicle is damaged, whether it is your fault or not, your personal insurance coverage will respond. The College will not pay any claims to personal autos for comprehensive or collision damage. In addition, you will be responsible for any applicable deductible under your policy (Mt. Holyoke employees, please refer to the staff handbook). If you do not carry any collision insurance, then the entire amount of the damage is your responsibility. It doesn't matter if you "have" to drive your own car because no College or rental vehicle is available; the College is not obligated to provide transportation.
If you are in an “at – fault” accident, while driving on College business, that results in bodily injury to a third party, you are required to submit the documentation identified above. Failure to do so may compromise the College’s insurance coverage, and you may be personally liable for any amounts in excess of the limits set on your personal insurance policy. You may also be required to submit copies of your personal insurance policy.
Deductibles, Citations, and Other Charges
The College has a $500.00 “at – fault” deductible (the deductible will only apply in accidents in which the driver is more than 50% “at – fault”). Student Groups and/or an employee’s department, will be responsible for any amounts not covered by insurance (i.e.: deductibles or denied claim due to failure or delay in reporting). Drivers are not personally responsible for deductibles on College owned or rented vehicles.
Drivers are responsible for payment of all citations, including moving violations and parking tickets. Failure to do so may result in suspension of your driving privileges.
If you are arrested at the scene of an accident (e.g., for drunk driving, reckless endangerment), you, the driver, are responsible for any legal costs you may incur including attorney fees, bail, court costs, etc. The College Insurance does not cover these costs even if you are later found not guilty of the charges. Other costs you may be responsible for include towing and/or impounding of the vehicle. The College is not responsible for any unlawful acts of its employees or students, and will not defend or indemnify them for alleged wrongful acts involving the use of its vehicles or vehicles rented on college business.
If you are injured while driving or riding in a vehicle while on College business and you are an employee of the College at the time of the accident, immediately contact Human Resources, as you may have a Workers' Compensation claim.
If you are not an employee on College business, and are injured while riding in a College vehicle, all medical bills must be submitted to your health insurance carrier.
Accident Investigation & Disciplinary Action
Accidents will be investigated to determine what was the cause of the accident. If you were "at-fault" and/or received a surcharge, the findings will be documented, and disciplinary action may be initiated if appropriate. Reported incidents of near misses, reckless driving, failure to wear seatbelts and/or cell phone use while driving, may also be investigated for appropriate disciplinary action.