Pre-approved MCO employees, volunteers and invited guests while driving MCO owned or leased vehicles. First dollar coverage on a covered loss. This includes bodily injury and property damage of the other party. If the employee is driving a rented or personal vehicle on a business activity, the employee's insurance will be primary and MCO's insurance will be secondary for liability. MCO self-insures against damage to its own vehicles, by having any damaged department vehicle repaired through the department's operating expense.
Any traffic citations issued as a result of an accident are the responsibility of the individual.
Damage to a personal vehicle is being driven for work related functions is not covered by MCO or MCO's insurance but rather by the employee's insurance. Damage to a rented vehicle is treated in the same manner as an owned vehicle, i.e. self-insured, unless the renter purchased the collision insurance through the rental company. Each vehicle should have an Accident Report Form in its glove compartment. Once Campus Police receives this form, Liability Control is notified. Liability Control then coordinates the claim with the insurance companies or owners of other involved vehicles.