1. Automobile Liability and Physical Damage Claimsby
Walter Lockhart

2. Walter Lockhart, Claims Supervisor Transportation /Road Hazards Units
Phone:
Fax:

3. ORM’S MAILING ADDRESS and WEBSITE
Office of Risk Management
P. O. Box 91106
Baton Rouge, LA
Doa.louisiana.gov/orm/

4. Transportation claims:
Discussing automobile claims today
Transportation claims:

5. Automobile liability and physical damage coverage
State owned licensed vehicles used for State business
Licensed vehicles rented and/or leased-used for State business

6. Proof of insurance for State vehicles
Website:
Letter from J. S. Thompson, Jr.
Place copy of letter in State vehicle
See attachment #: 1

7. Personal vehicles used on State business
See notice #:98-2
Reimbursement of the collision deductible
up to $ or
If auto has no collision deductible, maximum of $ per collision loss
Collision, not comprehensive claims
If other party/carrier pays your damages no payment from ORM
See attachment #: 2a,2b
Personal vehicles used on State business

8. Personal vehicles used on State business
Registered owner’s primary insurance (liability and physical damage) follows vehicle in State of Louisiana
State’s insurance is excess on liability coverage only if employee is within scope and permission.

9. What do you do after an accident?
Get names, addresses and phone numbers of parties involved in accident
Agency will complete DA 2041 form
What do you do after an accident?

10. DA 2041 form for reporting Auto accidents to ORM
Mandatory that you complete the following lines: 1-15, 18-25, 30-37,39-42 and 44-55
Fax/ form to me within 48 hours
See attachment #: 3,3a,3b,3c

11. DA 2041 form for reporting auto accidents to ORM
All claims on State owned licensed vehicles and/or rented /leased vehicles on State business
Employee reimbursement collision claims. (write “PERSONAL”) in place of State vehicle

12. “NO PAY,NO PLAY” (law effective on 9/6/1998)
See notice #: 99-6 for further details
No State agency and/or employee authorized to make any statements regarding payment of damages and/or medicals
See attachment #: 4

13. PHYSICAL DAMAGE : FIRST PARTY CLAIMS (Part I)
Claims on State owned licensed vehicles and/or a rented/leased vehicle on State business
Claim assigned to adjuster

14. PHYSICAL DAMAGE: FIRST PARTY CLAIMS (PART II)
Adjuster will review the DA 2041
If damages minor, adjuster will send letter asking agency if it wishes to make claim
Agency sends two repair estimates and copy of police report to adjuster
See attachment #: 5a,5b
PHYSICAL DAMAGE: FIRST PARTY CLAIMS (PART II)

15. PHYSICAL DAMAGE: FIRST PARTY CLAIMS (PART III)
If vehicle undrivable, ORM will hire appraiser to inspect vehicle. If repairable, adjuster will send copy (appraisal) to agency. If not, adjuster will advise agency vehicle deemed total loss and prepare paper work for agency signature.
PHYSICAL DAMAGE: FIRST PARTY CLAIMS (PART III)

16. PHYSICAL DAMAGE SUPPLEMENTAL DAMAGES
If supplemental damages after vehicle disassembled, repairer will contact ORM and/or appraiser. Additional damages must be agreed upon before being paid by ORM. All damages must be from accident. Old damages will be deducted.
PHYSICAL DAMAGE SUPPLEMENTAL DAMAGES

17. PHYSICAL DAMAGE PAYMENT/SETTLEMENT
If State vehicle repairable, ORM will receive final invoice and check for correctness and pay claim less deductible.
PHYSICAL DAMAGE PAYMENT/SETTLEMENT

18. AUTOMOBILE PHYSICAL DAMAGE TOTAL LOSS
See attached total loss letter for State vehicles deemed total loss
Agency will send needed paperwork directly to LPAA on total losses
ORM will subtract high salvage bid and agency will receive salvage proceeds from LPAA after sale of salvage
See attachment #: 6a
AUTOMOBILE PHYSICAL DAMAGE TOTAL LOSS

19. Proof of Loss form sent to agencies
See attachment # 6b
EXAMPLE

20. If adverse party at fault, we will turn this matter over to Subrogation Unit for recovery. Imperative that agencies cooperate by sending claims and having vehicles repaired in timely manner. Prescription period one year from date of loss.
SUBROGATION

21. AUTOMOBILES LIABILITY : THIRD PARTY CLAIMS
Agency will forward completed DA2041 form to ORM by fax or
Supervisor will assign claim to adjuster
Adjuster will verify if claimant has liability insurance at time of accident
Adjuster will send out form letter to claimant(s)
If any injuries involved, ORM will assign claim to independent adjuster

22. Attached are questionnaires sent out by ORM on claims to the agencies
Form #: T-1 for State vehicles (not sweepers)
See attachment # 7
Form #: T-2 for State sweepers only
See attachment # 8
ROCK PECK CLAIMS

23. WET MARINE AND AIRCRAFT CLAIMS
Questions on Marine and/or aircraft claims, call me.
WET MARINE AND AIRCRAFT CLAIMS

24. If agency/employee receives lawsuit on automobile accident, forward to ORM ASAP.
LAWSUITS

25. AUTOMOBILE LIABILITY: THIRD PARTY CLAIMS
ORM adjuster will review claim and decide whether there is liability on our driver. If so, damages will be paid based on percentage of liability. If no liability, claim will be denied.
AUTOMOBILE LIABILITY: THIRD PARTY CLAIMS

26. DEDUCTIBLES EFFECTIVE ON 11/1/2002
Deductibles are as follows:
Collision-$
Comprehensive-$ (includes all windshield claims)
See notice #: for further details
See attachment #: 9

27. REDUCTION OF AUTOMOBILE LIABILITY LIMIT
Employee not on State business at time of accident
Limits: 10/20/10
See notice #:
See attachment #: 10

28. RENTED AND/OR COURTESY VEHICLES
Rented Vehicles
Courtesy Vehicles
See notice #:
See attachment #: 11
RENTED AND/OR COURTESY VEHICLES

29. INSPECTION OF RENTAL VEHICLES
See notice #: 97-2
Need to inspect rental vehicles before and after using for damages
Show rental person damages to vehicles so he/she can make notation on rental agreement before leaving lot
See attachment #: 12

30. TOWING OF STATE VEHICLES
See notice #: 97-1
Avoid having State vehicle towed to a wrecker yard
If vehicle is towed to wrecker yard, give State vehicle location on DA 2041, address and phone number of wrecker yard
See attachment #: 13
TOWING OF STATE VEHICLES

31. NOTE Work hours are: 6:30 a.m. to 5:00 p.m. Monday through Thursday
DA 2041 forms/Fleet Messages to the new
NOTE