A. Liability coverage: is extended
only after the employee's personal auto insurance
is exhausted, but only up to the limit of
the State's coverage.
B. Physical damage: the state will
not be responsible for any physical damage
to privately owned vehicles driven by a State
employee on State business. When an employees
is compensated by way of a mileage allowance
for use of his/her personal vehicle comprehensive
and collision insurance is considered in
setting the allowance.
C. Personal injuries sustained by employees
are covered by Workers Compensation
D. Medical payments coverage for non-employee
passengers is limited to first-aid expense
at the time of the accident.
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The Maryland self insurance program provides physical
damage coverage for accidental damage to any State-owned
vehicle. Liability coverage is provided for bodily injury
and property damage for which the State of Maryland,
it's agencies, or employees may be held legally liable
to others. All auto/fleet accidents have a $1,000 deductible
which the State agency is responsible for. (See Appendix
B for forms and procedures to report vehicle/fleet accidents)