Automobile claims arise when Louisiana State University (LSU) is legally liable for bodily injury or property damage caused by the use of University owned, rented or leased automobiles.
All claims for liability or physical damage to state-owned, leased or rental vehicles are to be reported to the LSU Risk Management. If a loss involves property damage estimated at $5,000 or more, or involves bodily injury, the loss is to be reported immediately by telephone to LSU Risk Management at (225) 578-3283. A State of Louisiana Driver Safety Program Accident Form (DA 2041) and Workers’ Compensation Injury Report Form must be submitted within 48 hours of an auto accident even if there is no damage to the vehicle or employee! The deductible for auto collision and comprehensive claims is $1,000. All departments are responsible for the $1,000 deductible per accident, for collision and comprehensive coverage.
Automobile Claims Information for LSU-Owned or Rental Vehicles
A State of Louisiana Driver Safety Program Accident Form (DA 2041) must be submitted within 48 hours of an auto accident. The deductible for auto collision and comprehensive claims is $1,000. All departments are responsible for the $1,000 deductible per accident. Include a copy of all information listed below:
- Rental Agreement
- Travel Authorization
- Driver’s License
- Police Report or Agency and Police Report Number
- Pictures if available
Reimbursement of Collision Deductible on Employees’ Personally-Owned Vehicles used on State Business
If an employee is involved in an accident in their personal vehicle while on State business, the policy will pay the amount of any collision deductible. Personally-owned vehicles are only covered in the event that the vehicle collides with another object or overturns. In the event the cost to repair the damage to the vehicle is less than $1,000, the policy will pay up to the cost of repair. An employee involved in an accident in his or her personal vehicle while on State business that does not have insurance coverage will be responsible for up to $10,000 of the damage.
The Office of Risk Management strongly discourages the use of personal vehicles for university business. The State policy does not provide reimbursement for:
- Glass Breakage
- Loss caused by hitting a bird or animal
- Loss caused by falling objects or missiles
- Fire, lightning or explosion
- Windstorm, hail or earthquake
- Mischief or vandalism
- The sinking, burning, collision or derailment of any conveyance transporting the auto
If the State employee is not at fault in the collision and the negligent party’s insurance pays for the loss of the employee’s vehicle, then no reimbursement is allowed. It is not the insurance carrier’s intent for the employee to collect the deductible reimbursement when the other party’s insurer has paid the loss in full.
For claims questions, please contact LSU Risk Management at (225) 578-3283.
Automobile Claims Information for Non-LSU Vehicles
If someone is involved in an auto accident with a state vehicle and wants to file a claim with the insurance carrier, the following information is required:
1. Name, address, and phone number
2. A police report if filed (City, State, Sheriff, LSU PD)
3. Make, model, year of vehicle and VIN number
4. A copy of the vehicle registration
5. A copy of the insurance verification
6. 2 estimates of damages (if car is drivable)
7. Pictures, if available
The information outlined above must be submitted to LSU Risk Management. Please call (225) 578-3283 if additional information is needed.
REDUCTION OF AUTOMOBILE LIABILITY LIMIT WHEN STATE VEHICLE IS OPERATED ON PERSONAL BUSINESS
When an employee using a State vehicle causes an accident and it is determined that he or she was on personal business and not acting in the course and scope of employment at the time of the accident, the State Office of Risk Management will only pay the statutory minimum limits of the state having jurisdiction. The minimum limits in the State of Louisiana are $15,000 bodily injury per person, $30,000 bodily injury for all persons per accident, and $25,000 property damage per accident.
State Motor Pool Contract with Enterprise Rent-A-Car for in-state Rentals Only
The State of Louisiana has contracted for vehicle rentals based out of Louisiana through Enterprise Rent-A-Car’s State Motor Pool Rental Contract for business travel which applies to all State of Louisiana employees and/or authorized travelers traveling on official state business.
Collision Damage Waiver (CDW) insurance and $1 Million Liability Protection Coverage is included in the State Motor Pool Rental Contract price through Enterprise Rent-A-Car. Effective January 19, 2010, departments (employees) renting a vehicle for official state business from Enterprise State Motor Pool Rental Contract that are involved in an accident will not be subject to the $1,000 deductible. All accidents must be reported to our office immediately regardles the amount of damage. This applies to Enterprise State Motor Pool Rental Vehicles Only!
In the event of an automobile accident while utilizing a rental vehicle, the following is required:
Complete a DA 2041 LA State Driver Safety Program Accident Report Form within 48 hours and forward to LSU Risk Management along with a copy of:
- Rental Agreement
- Travel Authorization
- Driver’s License
- Police Report or Agency Name and Police Report Number
- Pictures, if available
Please refer all correspondence and telephone calls from the rental car company or the other party to LSU Risk Management at (225) 578-3283.
Any persons who are not official state employees must sign a State of Louisiana Hold Harmless/Indemnification Agreements prior to riding in or driving a state-owned or rental vehicle on behalf of the State.
Students shall not be authorized to drive state-owned or rented vehicle for use on official state business if not employed by the State.
Please contact the LSU Risk Management for further details at (225) 578-3283.