Claims Management

Campus Insurance Programs

Automobile/Vehicle Insurance

Automobile Liability Insurance – UC Owned/Leased Vehicles

Coverage:
Automobile liability coverage is mandatory for all UC owned or leased vehicles. This program covers liability for bodily injury to others and damage to property owned by others, caused by vehicles owned or leased by The Regents.

For example, liability for injuries to the driver of a vehicle rear-ended by a university vehicle is covered, as is the damage to the other party’s vehicle.

Securing Coverage:
To ensure that this coverage is in place for each university vehicle it is the responsibility of the department operating the vehicle to report the acquisition of the vehicle to when they take possession of it.

Filing a Claim:
If you are involved in a vehicle accident please report it immediately.

Resources:
UCI Transportation & Distribution Services: Accident Procedures

Automobile Insurance for Personal Vehicles Driven on University Business

Summary:
If you have an accident while driving your personal vehicle on university business your personal insurance will be primary. You are still required to report the accident.

Coverage:
The private insurance on your personal vehicle is the primary source of insurance coverage for that vehicle, even if an accident occurs while you are driving on university business. However:

• Property Damage:
  • When a personal vehicle is damaged by collision, reimbursement for repairs you paid may be authorized up to $500 or the amount of the deductible, whichever is less.
  • Expenses that can be recovered from insurance are not eligible for reimbursement.
• Auto Liability:
  • If liability damages (injury to other people or damage to other vehicles) exceed your liability limits, the university's Automobile Liability coverage may be available as excess insurance over your personal policy.

Securing Coverage:
When private vehicles are routinely used on university business, the minimum required liability insurance coverage must be maintained. The appropriate supervisor or department official is responsible for ensuring that employees maintain such liability insurance coverage. The minimum required liability insurance coverage is as follows:

• $50,000 for personal injury to, or death of, one person;
• $100,000 for injury to, or death of, two or more persons in one accident; and
• $50,000 for property damage.

Evidence of the minimum required coverage must be provided to your business office before the reimbursement of regular use mileage is allowed.

Resources:
Business and Finance Bulletin G-28

Drone Safety

EHS has developed a UCI Procedure and Program for drone use on our campus. If you have any questions, please do not hesitate to email dronesafety@uci.edu or call EHS front desk 949-824-6200. For more information, visit UCI Environmental Health & Safety's Drone Safety.

Fine Arts Insurance

Coverage:
The university purchases Fine Arts Insurance which covers fine arts for all risks of physical loss or damage including earthquake and flood, subject to the policy exclusions. Coverage under the Fine Arts Insurance Policy is optional and subject to semi-annual reporting of values for which departments are responsible for updating and advising of changes through the year.

The university is not responsible for the personal property of employees, faculty and students that is kept on university premises. Please consult BUS-39 Loss of or Damage to Property of Individuals for the complete university policy.

Securing Coverage:
It is recommended that items that are of high value and importance to the campus be reported and scheduled for coverage under this policy. A department may secure coverage under the Fine Arts insurance by contacting Risk Services and providing a valid contract or agreement.

Filing a Claim:

1. Complete Property Loss Claim Form (damage, theft, etc.) or Claim Form (personal injury, non-vehicle, etc.).
2. Submit completed form to Risk Service's ServiceNow General Request (please attach any related documents, such as photos and police report by clicking on the paperclip icon on the top right of the ServiceNow General Request form).
   Provide a detailed description of when and how the loss happened which should include what was damaged and photos of that the damaged property and/or equipment. The property/equipment should be secured post loss to prevent further damage and to allow inspection by our claims administrator.

Deductibles:

• $1,000 - each and every loss, except for earthquake.
• $10,000 earthquake - each and every loss.
• $0 deductible for covered visiting exhibits.

Resources:
BFB-BUS-63: Risk Transfer and Insurance Requirements
BUS-39 Loss of or Damage to Property of Individuals
UCOP Property & Other Insurance: FAQ

General Liability

Summary:
The university's General Liability Self Insurance Program covers university employees for accidents that result in injury or damage to others (non-university personnel) while university employees are conducting official university business.

Coverage:
Coverage applies to all university departments and auxiliary enterprises, officers, agents and employees (including bona fide volunteers). Coverage may also be extended to students enrolled in a formal training program while performing in the course and scope of their studies.

Filing a Claim:

1. Complete Claim Form (personal injury, non-vehicle, etc.).
2. Submit completed form to Risk Service's ServiceNow General Request (please attach any related documents, such as photos and police report by clicking on the paperclip icon on the top right of the ServiceNow General Request form).

Resources:
BUS-81 Insurance Programs
UCOP Waivers

Marine & Aviation Insurance

Coverage:

• Hull Insurance - covers damage to the boat itself.
• Liability Insurance (Protection and Indemnity) - covers injury to persons and damage to other vessels.
• Rented or Borrowed Boats - the insurance program does not automatically cover borrowed or rented boats. Contact Risk Management prior to making any arrangements.
• Chartered Vessels - the insurance program does not cover chartered vessels. A UC Charter Agreement is required and the vessel owner must maintain adequate insurance.

Securing Coverage:
A listing of all boats, regardless of size, must be submitted to Risk Management in order to be covered. Vessels not reported within 180 days will be without coverage.

Filing a Claim:
Report the damage or theft immediately and complete a Property Damage or Loss Report form . Risk Management must report the loss to the insurers within 60 days.

Resources:
UC Unmanned Aircraft System Safety

Property Insurance Program

Coverage:
Loss or damage to buildings and/or contents owned by the UC or under the care/custody/control. Most university property is automatically covered, i.e. buildings, office furniture, photocopiers, computers, etc. However, coverage is limited to the terms and conditions of the program. For details of coverage, see Section IV of BUS-81.

• The personal property of faculty, staff, or students is not covered by university policy.
• A student may acquire renters' insurance through GradGuard | University of California, Irvine.

Filing a Claim:
Departments are required to report the damage/loss as soon after the incident as possible and promptly file a claim. Risk Management investigates and processes all claims in conjunction with OPRS.

Deductibles:

• $5,000 per occurrence for water damage (90% of claim funded for losses in excess of $50,000).
• $5,000 per occurrence for fire or theft.
• $1,000 per occurrence for forced entry theft and all other covered losses.

Workers Comp

Benefits for university employees when their injury or illness arises out of or is caused by their work:

• Claims involving injury to a UC Irvine employee or volunteer are managed by UCI Human Resources.
• Reporting an Employee or Volunteer Injury, Safety Concern, or Near-Miss.