Beginning July 1, 1994, the Office of Risk Management (ORM) began reimbursing deductible payments up to a maximum of $250 on personal vehicles used on state-related business for collision losses only. The employee-owned vehicle must be used with proper authority in the course and scope of the employee's duties to be eligible.

Effective June 23, 1997, ORM will begin reimbursing deductible payments up to $1,000 on personal vehicles used on state-related business for collision losses only.

If the auto owned by the employee carries collision coverage with a commercial insurance company, our policy will pay the amount of any collision deductible required by the commercial insurance company subject to a maximum of $1,000 per loss. If the auto has no collision coverage, our policy will pay a maximum amount of $1,000 per collision loss. In the event the cost to repair the damage to the vehicle is less than $1,000, our policy will pay up to the cost of repair.

The auto is only covered where the personally-owned vehicle collides with another object or overturns. It does not provide reimbursement for:

1.  Glass breakage,
2.  Loss caused by hitting a bird or animal, or
3.  Loss caused by falling objects or missiles.

It also does not provide reimbursement for losses caused by:

1.  Fire, lightning or explosion,
2.  Theft,
3.  Windstorm, hail or earthquake,
4.  Flood,
5.  Mischief or vandalism, or
6.  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 ORM'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 Walter Lockhart at (504) 342-8466. For insurance policy information, please contact Melissa Harris at (504) 342-8416.