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 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.