Auto Claim Questions

Yes, all accidents, while driving on UT business, must be reported to the driver’s supervisor, and to the Office of Risk Management as soon as possible. Accidents that involve injury to any person or property damage greater than minor scrapes must also be reported to the local law enforcement agency where the accident occurred. You and your supervisor need to contact the CorVel Workplace Injury and First Notice of Loss Call Center to report the workers’ compensation claim. Drivers and their supervisors are required to complete a written Drivers Report of Vehicle Accident and submit it to the Office of Risk Management as soon as possible after the accident.

Yes, the driver is responsible for all tickets received in University vehicles. Drivers are required to immediately notify their supervisor about citations received while driving on UT business.
While driving a personal vehicle on UT business, the owner of the vehicle’s insurance policy is primary. If the liability for an accident while driving on UT business exceeds the driver’s personal insurance limits, the excess financial liability shifts to UT through state insurance coverage. Because of this exposure, UT is required to ensure that drivers of personal vehicles carry required minimum liability insurance limits. If the employee is on authorized University business, and UT is paying the employee mileage, the state will reimburse the employee up to $500 towards their deductible.  This is called an Employee Property Damage Claim.  Please contact the Office of Risk Management for the required forms. If the employee’s action caused damage to a third party, the third party would have to file a tort claim with the State of Tennessee Department of Risk Management and Claims Administration for the State to process and determine negligence. Please contact the Office of Risk Management for the required forms.
No. There is no UT or state insurance coverage for loss or damage to personal property. If the individual incurring a loss believes that their loss or damage resulted from UT negligence, then the individual may make a liability claim against UT, in accordance with applicable Tennessee statutes for claims against public entities (TCA 9-8-101 et seq.). Please contact the Office of Risk Management for the required forms.
“Notify the local authorities and make a report and if it is a medical emergency, seek immediate medical attention.  Let your immediate supervisor know of the accident and you and your supervisor need to contact the CorVel Workplace Injury & First Notice of Loss Call Center at 866-245-8588 and report the workers compensation claim.”  If you have rented the vehicle for University business, notify the Office of Risk Management of the accident and forward any communication you receive to the Office of Risk Management.  We will handle any claims that may arise from the accident.  We will verify with your supervisor whether or not you were on business travel at the time of the accident.  If you rented the vehicle through the State contract with National or Enterprise, no further action will need to take place.  If you did not rent through the State contract, your department will be charged for the first $1,000 of the damages (if there was no third party involved) with the Office of Risk Management Self-Insurance Fund paying the balance.
Authorized passengers in university vehicles are limited to university employees, registered volunteers, students and guests participating in university activities, and family members who are accompanying the employee on official travel. Only employees or registered volunteers are permitted to drive university vehicles, except mechanics in the normal course of providing repair services. When family members accompany an employee on official travel, the driver must ensure that the vehicle is used only for transportation in connection with the trip and that no additional expense is incurred for personal use
An insurance card is provided in the key case.

Property Claim Questions

Contact the Office of Risk Management immediately in an emergency situation when the loss is estimated to exceed $25,000.  Risk Management will then contact the State’s insurance adjuster and the State’s remediation company, Belfour for the clean-up and repairs.  If after hours emergency cleanup or water extraction is needed, contact the only State-approved Emergency Service Contractor, Belfor at 800-856-3333. Tell the Belfor representative that you are with the State of TN Account.  The Belfor project team must be on site within 3 hours of notification as required by the state contract. In a building damage loss, go ahead and clean up as quickly as possible, and protect the property from further damage, while Belfor is in route. Complete and submit the “Incident Report” and the “Property Claim Packet” found on the Office of Risk Management’s website and submit them to the Office of Risk Management with whatever information you have available as soon as possible.  Take photographs of all damage and do not discard anything until the adjuster arrives and inspects. Go ahead and separate damaged property from undamaged property.  It is important to file the claim in a timely manner, even if all of the supporting documentation is not immediately available. All property losses regardless of the amount are required to be reported.
Obtain repair estimates, or use original purchase documentation to estimate the value of the loss. It is important to file an “Incident Report” quickly with the Office of Risk Management even if all requested information is not immediately available. Then fill out the “Property Claim Packet” that is on the Risk Management website that itemizes the damaged property and contents, the extra labor expenses, and expenses as the result of the claim.
The State deductible is $25,000. Each department is responsible for the first $5,000 on Property Claims, with a $10,000 Deductible on theft claims.  The Office of Risk Management has a Risk Management fund set up to pay for the difference up to the $25,000 State Deductible.
Your department may proceed with purchasing replacement equipment at any time, but this must be done with your own funds and according to University Purchasing Policy. There is no mechanism to provide a loan or bridge funds to departments while awaiting insurance recovery funds.
Yes, all State-scheduled UT buildings and contents are provided all-risk, replacement cost coverage.  Replacement cost means the cost to replace an item (with an item of like, kind, and quality) at today’s cost without applying depreciation.
Usually coverage can be provided world-wide.  However, there are a few countries that are excluded.  Please furnish the Office of Risk Management with a list of the equipment including description, serial number, university inventory number and value along with the means of transportation and the countries your will be visiting and dates.  This should be done well in advance of the anticipated travel dates.  Note that import/export regulations must be followed.

A Certificate of Insurance provides proof of the University’s insurance coverage to a third party. A Certificate of Insurance is sometimes required when entering into a contract or agreement with a third party. Contact the Office of Risk Management if you need a copy of the State’s Certificate of Self-Insurance.

No, your Homeowner’s or Renter’s policy generally provides coverage for personal items away from the premises (your residence).

In a sense, they are considered contents, but because of their unique qualities, they must have an appraised value recorded on a statement of values. Statewide coverage is afforded by an individual Fine Arts Policy. This policy provides wall-to-wall coverage, with no deductible (except for flood and earthquake – $10,000 per occurrence). Coverage is subject to standard fine arts exclusions such as: 1. wear and tear, gradual deterioration, moths, vermin, inherent vice, or loss or damage sustained due to or resulting from any repairing, restoration, or retouching process; 2.war risks; 3. and nuclear reaction or nuclear radiation or radioactive contamination.” Incoming loans require fully executed loan agreements with an agreed appraised value for each object on loan. For loaned objects valued at $50,000 or more, a written appraisal and photograph are required. An appraisal by a qualified State Curator is acceptable. Please contact the Office of Risk Management for all new Fine Arts purchases or loans.

Yes, if the University of Tennessee is required by contract to provide insurance for an item which is in the University’s care, custody, and control. These contracts must be submitted to Risk Management for review before coverage can be approved.

NOTE: Fine arts on loan to The University of Tennessee will require a loan agreement.

Items in transit are covered with certain restrictions. Risk Management must be informed before the transfer takes effect. You must also report which facilities are involved so contents adjustments may be effected. Items must be transported by State employees. We do not provide insurance coverage for individual carriers for hire. The limit for transit coverage is $1,000,000 per occurrence. If additional limits are needed, they must be approved by the Office of Risk Management.  This limit does not apply to fine arts.

Yes. The University of Tennessee, through The State of Tennessee procures fidelity and crime coverage in the amount of $1 million per occurrence, for all State employees. There is a $100,000 per occurrence deductible, which applies to each loss.

Contact UTPD to file a report for all property losses that arise from criminal activity (theft, vandalism, etc.) and for vehicle accidents. If the loss occurred off campus, file your report with the police department where the loss occurred. If provided a case number, include this with the “Incident Report” in which you complete and send to the Office of Risk Management.

Workers Compensation Claim Questions

  1. Report the accident/injury to your supervisor immediately.
  2. In a medical emergency that is life-threatening or results in serious bodily injury, call 911 or go to the nearest hospital emergency room. Your supervisor or a family member should call the CorVel 24-hour nurse line at 1-866-245-8588 to report the incident.
  3. For non-emergency injuries, you and your supervisor will call the CorVel 24-hour nurse line at 1-866-245-8588. The nurse will determine if your injury will require self-care, or urgent care and provide you with the nearest authorized medical provider.
  4. On the Risk Management website, there is a link to the “Incident Report” and “Loss Time/Return to Work Calendar” forms. These need to be completed by you and your supervisor. Once completed, please forward the forms to the Office of Risk Management.
  5. Your supervisor will make a follow-up phone call to CorVel, and you will then be assigned a claims representative who will be in contact with you to answer questions, pay bills, and help you return safely to work.