Commonly referred to as collision and comprehensive coverage, physical damage coverage is not provided by ORIM for state vehicles, privately owned vehicles, or rental cars used on state business. However, the employing state agency or department may reimburse damage for losses to privately owned vehicles. Refer to SAM Section 0759. Rental vehicle physical damage reimbursement, refer to SAM Section 0759.5 and Dept. Of Personnel Administration (DPA) Rule 599.630.
University Owned vehicles - The cost of repair to a damaged State owned University vehicle is paid through the budget of the owning department. The SMVIA (State Motor Vehicle Insurance Account) provides for only third party liability coverage.
Leased State vehicles - Vehicle damage repair expense for leased state vehicles are included with the rental rate charged by the State Garage, Office of Fleet Administration. The cost of repair or replacement of all Department of General Services (DGS) pool cars is included in the daily, weekly, and monthly rental rate charged by the DGS Fleet Administration regardless of how or why the State Vehicle was damaged in the employee’s custody.
Privately owned personal vehicles - When a private vehicle is damaged in an accident during official State business, your private auto insurance provides primary coverage for any damage or loss to your vehicle and the other party’s vehicle. Any insurance deductible payment is the employees' financial responsibility. The State Motor Vehicle Insurance Account (SMVIA) will pay for excess expense not covered by your private vehicle liability insurance.
When the driver of the other vehicle is at fault for damages to the State Vehicle, the Office of Risk and Insurance Management (ORIM) Vehicle Claims unit recovers the vehicle damage repair costs from the other party's insurance carrier or other responsible party.