Insurance

• If a University employee is injured on the job, they should contact the Human Resources Department.
• If you must use a vehicle for University business, be aware of the University's requirements, guidelines and recommendations.

• Coverage may be provided for student interns participating in Internships in the Law Clinic or in the allied health fields. The State performs an annual survey of students that may participate in internship programs.
• The University pays a fee to the State for coverage provided under these programs.

• Insurance coverage for visitors is limited. If a visitor is injured while on campus, and believes the University has been negligent, that person must file a claim using the State’s Notice of Claim Form. The form is available on the State Treasurer’s web site . All claims against the State (including claims against UBalt) must be filed against the State Treasurer. The claimant should use the Notice of Claim Form.
• Do not admit negligence or fault or offer settlements.

• From time to time, UBalt will host an exhibit of artworks on campus. Such displays of art must be covered by a policy acquired by the State Treasurer’s Office. Before the State Treasurer’s Office will obtain the insurance coverage, they require that the artist or gallery have a signed contract with the University for display of the artwork.
• The artist must provide an itemized list of the works, including a description, title, media, size and the value of each work. The exhibit must be for a specific length of time (which may be extended or shortened as conditions dictate).
• The Procurement Department will issue the contract and secure the insurance from the State Treasurer’s Office.
• The University pays a fee to the State for coverage provided under these programs.

• If a building is damaged by flood, fire or other catastrophe, the damage must be reported to the Procurement Department without delay. A written report of the incident should be provided, along with a report from City Police or Fire Protection agencies.
• The deductible for damage to a State Building is $1,000.00.
• An annual survey of buildings and building contents is made to keep the value of our holdings current.
• Unlike traditional commercial insurance, our premium is adjusted after an incident such that the State is reimbursed over a fixed period of time for the cost of repairing or replacing an asset. The University pays an annual fee to the State for coverage.

• Anyone that needs to use a UBalt vehicle for business purposes must have a UBalt Drivers Permit. Contact Campus Police to obtain a permit.
• If a UBalt vehicle is damaged the incident must be reported to the Procurement Department without delay. A written report of the incident should be provided, along with a report from Campus Police, City Police or Fire Protection agencies.
• The deductible for damage to a State vehicle is $1,000.00.
• Unlike traditional commercial insurance, our premium is adjusted after an incident such that the State is reimbursed over a fixed period of time for the cost of repairing or replacing an asset. The University pays an annual fee to the State for coverage.
  • General Guidelines When Involved in an Accident

     

    1.    Stop as near to the scene as is safely practical; avoid blocking traffic and otherwise minimize danger to others.

    2.    Dial 911. Request that a police officer respond to the scene and prepare a Police Report. If necessary, notify appropriate emergency medical and/or fire/rescue authorities. Cooperate fully with police and emergency authorities.

    You must report ALL auto accidents regardless of how minor the damage is.

    Request local police respond unless within reasonable distance of UBalt – then contact UBalt Police.

    File an accident report with the local police – if local police refuse to respond (no personal injury) advise them this is a State vehicle and you need a report.

    Make a note of the report number from local police.

    3.    Do not admit negligence or fault or offer settlements.

    4.    Provide identification to involved parties.

    5.    Obtain contact information (name, address, telephone number at a minimum) for involved parties and witnesses.

    (a) Note the license plate number and state of registration of any other vehicles involved in the accident.

    (b) Note the name of the driver and the name of their insurance company, and policy number.

    6.   If asked for your policy information, tell the other driver you are a State of Maryland employee, and the State vehicle is covered by the State’s self-insurance program. The other driver will need to file a “Notice of Claim” form with the State Treasurer’s office. The form and other information is available on the State Treasurer’s web site.

    7.   Make note of the weather conditions.

    8.   Protect University property if it can be done safely.

    9.   Do not give a statement, written or oral, to anyone other than the Police until you have discussed the accident with UBalt Public Safety.

    10. Notify Public Safety as soon as possible. Accidents involving evacuation by emergency medical personnel must be reported immediately by telephone to the Public Safety.

    11. Public Safety should advise claimants/attorneys to contact the Insurance Division of the State of Maryland Treasurer’s Office for questions and instructions for filing a formal notice of claim. Public Safety will send a copy of the Police Report to the Insurance Coordinator, for reporting to the State Treasurer’s Office.

    A. Dial 911. Request that a police officer respond to the scene and prepare a Police Report. If necessary, notify appropriate emergency medical and/or fire/rescue authorities. Cooperate fully with police and emergency authorities.

    B. Do not admit negligence or fault or offer settlements.

    C. Provide identification to involved parties.

    D. Obtain contact information (name, address, telephone number at a minimum) for involved parties and witnesses.

    Name: _____________________________________

    Address: ____________________________________ (include city and state)

    Telephone number: ___________________________

    e-mail address: _______________________________

• The State’s self-insurance program does not provide coverage for theft of University, student, faculty, or staff property. Report theft to Campus Police.

• If you need a certificate of insurance, please contact Procurement. Include the name, location, dates and description of the event. Include the name, address, telephone and FAX number of the party to whom the certificate of insurance should be sent.

General Guidelines When Involved in an Accident

Excerpt from USM Fleet Management Policies and Procedures regarding driver responsibilities -  Section III - Institutional Fleet Coordinators.