¾Ã¾ÃÈÈÊÓƵ

Scenario 1

My chemistry experiment on the Oxford Campus caught fire due to an improper mixing of chemicals and the sprinkler system ruined a $50,000 piece of equipment. What will the department deductible be?

Departmental Responsibility

The University will replace the equipment and the departmental deductible is $5,000.

Scenario 2

A fire in Pearson Hall destroyed my laboratory and all equipment that I use for my research. Will the University repair the building and replace my equipment?

Departmental Responsibility

The University will repair or replace the building and equipment and the departmental deductible is $5,000.

Scenario 1—University vehicle

A faculty member crossed the center line in a departmental van and hit another vehicle causing damage to the vehicle and the other driver sustained injuries. What costs must the department pay?

Departmental Responsibility

Since the vehicle belongs to the department and the losses were due to a university driver, the department will pay a deductible of $1,000.

Scenario 2—Rental vehicle

A faculty member crossed the center line in an Enterprise rental van and hit another vehicle causing damage to the vehicle and the other driver sustained injuries. What costs must the department pay?

Departmental Responsibility

The Enterprise rental agreement includes insurance. There is no departmental deductible.

Scenario 3—Rental vehicle

A staff member has an accident in a rental vehicle rented from someone other than Enterprise or National and declined insurance Insurance Determination at the time of the rental. The accident causes damage to the rental vehicle. What costs must the department pay?

Departmental Responsibility

¾Ã¾ÃÈÈÊÓƵ policy requires the acceptance of liability and property damage insurance on all rentals; therefore the department will be responsible for the full price of the repairs.

Scenario 1

Due to an electrical surge caused by a Duke Energy transformer, a $50,000 piece of equipment in the Engineering department was rendered unusable. Will the University's insurance cover the replacement cost?

Departmental Responsibility

Yes, subject to a $5,000 deductible paid by the department.

Scenario 1—Personal item

I brought my personal laptop to work and it was stolen from my office. Will ¾Ã¾ÃÈÈÊÓƵ reimburse me for the loss?

Departmental Responsibility

No, Personal items such as cameras and laptops are not covered by ¾Ã¾ÃÈÈÊÓƵ's insurance unless they are required as a condition of employment.

Scenario 2—University property and cash

The University's tennis team was traveling in a rental van. The van was broken into during dinner and the coaches and ¾Ã¾ÃÈÈÊÓƵs lost personal computers, a University laptop and $4,000 in cash. Will the University's insurance reimburse for the loss?

Departmental Responsibility

The University does not cover the loss of ¾Ã¾ÃÈÈÊÓƵ or employee personal property. Any amount of University cash and property lost would be subject to the auxiliary deductible of $100,000.