Liability FAQ | CCSD Risk Management

Liability FAQ

Motor Vehicles

Q: I was just involved in an accident with a CCSD vehicle, what do I do?

 

Q: Does the CCSD provide any insurance when I use my personal car on CCSD business?

Q: How do I rent a vehicle to use on CCSD business?

Property

Q: Is my personal computer or other equipment covered if I use it at work? Q: Is CCSD property covered for losses when it is in my home or my personal vehicle? Q: Is property leased or rented by my department covered under the CCSD Property insurance? Q: Our department recently purchased $20,000 worth of computers; how do we add these to the property insurance? Q: We had water damage from a broken pipe; what do we do? Q: We sustained damage to CCSD equipment during a fire; what do we do?

Accidents With Injuries

Q: A parent is questioning who will pay the medical bills for an injury to their child which happened on school grounds or during school sponsored activity; what do we say? Q: A visitor falls coming into the school. What do we do?


Q: I was just involved in an accident with a CCSD vehicle, what do I do? Contact your supervisor and Risk Management Department immediately. Give precise location information. Have your department notify law enforcement. Try to get as much information as possible about the other party involved in the accident. Do not discuss fault with anyone other than law enforcement and Risk Management representative. Make sure you complete a CCF-102 within 24hrs of the accident. Refer any questions regarding property damage or injury to Risk Management. Back to top^ Q: Does the CCSD provide any insurance when I use my personal car on CCSD business?

 

No, when an employee uses their personal vehicle for CCSD business they are obligated to provide personal insurance coverage on the vehicle as required by law. This expense is taken into consideration with the mileage rate used to reimburse the employee when completing a CCF-174, Travel Advance/Expense Form.

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Q: How do I rent a vehicle to use on CCSD business?

Contact CCSD Purchasing Department to determine who the currently approved vendors.  These are different for "within" and for "outside" the state. The school district is offered a special rate which includes insurance coverage per a negotiated contract. Only approved vendors should be used.

NOTE: Under no circumstances should a 15 passenger van be rented or used.

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Q: Is my personal computer or other equipment covered if I use it at work?

The negotiated agreements between the employees and CCSD offer some coverage for personal items. This coverage is in excess of any personal insurance that would cover the items. For additional information, please see the information regarding personal property of employees in the Risk Management Department Procedure Manual.

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Q: Is CCSD property covered for losses when it is in my home or my personal vehicle?

CCSD property is self-insured through district funds with an excess property policy which covers losses of over $250,000. However, when the property is off site and in someone else’s care, then the personal policy(ies) of the person would be primary.

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Q: Is property leased or rented by my department covered under the CCSD Property insurance?

 It would depend on the contract between CCSD and the person who actually owns the property. The Legal Department should review any contract signed by the district and if there are questions of coverage, Risk Management will review the contract as well.

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Q: Our department recently purchased $20,000 worth of computers; how do we add these to the property insurance?

As long as CCSD has a record of receipt of the specific items, including serial numbers, they would be covered by the property insurance pursuant to the excess insurance policy specifications. All components of computer systems must be listed in the site inventory records.

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Q: We had water damage from a broken pipe; what do we do?

Contact Maintenance immediately so the situation can be assessed and mitigation can begin. Notify Risk Management if a large area or dollar amount of damage exists. Inventory all lost or damaged items. Notify your Academic Manager and your FSR of the loss and document all work orders and other repair costs. Once the work is completed, forward all documentation to the Academic Manager for review. The Area will forward to Risk Management for possible reimbursement. When in doubt, call Risk Management for information.

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Q: We sustained damage to CCSD equipment during a fire; what do we do?

Once the Fire Department clears the area, use the same procedures as if you sustained a water loss (see above).

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Q: A parent is questioning who will pay the medical bills for an injury to their child which happened on school grounds or during school sponsored activity; what do we say?

Refer the parent to Risk Management so we can answer questions and forward a claim form. Contact Risk Management and advise us of the situation and facts of the injury. We will indicate what information will be necessary to complete our investigation and determine coverage.

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Q: A visitor falls coming into the school. What do we do?

Call Risk Management immediately if there is a substantial injury. Whether there is an injury or not, do the following: Download and complete the CCSD Notice of Accident, Personal Injury/Property Damage form from this website and forward immediately to Risk Management. Identify witnesses, secure written statements from them, and contact Maintenance if any unsafe condition exists. Photos of the alleged incident are also extremely helpful. Forward all information to Risk Management.

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