LIABILITY INSURANCE is provided by the master policy, in the
amount of $1,000,000 , for both automobile bodily injury and
property damage claims. The policy agrees to pay on behalf of
the insured all sums which the insured shall become obligated
to pay as damages by reason of liability imposed by law and arising
out of the ownership, operation, or use of any automobile. The
policy provides coverage for all vehicles owned or leased by
parishes and institutions. THIS POLICY DOES NOT INSURE
VEHICLES PERSONALLY OWNED BY, OR LEASED TO, CLERGY OR ANY OTHER
MEDICAL PAYMENTS INSURANCE, in the amount of
$5,000 per person , is provided to pay for reasonable expenses
for necessary medical, dental, surgical, ambulance, hospital,
and professional nursing services incurred for injuries sustained
while in, upon, entering, or alighting from an insured vehicle.
COMPREHENSIVE INSURANCE is provided for all vehicles scheduled
under the master policy. Comprehensive coverage pays for all
losses of physical damage incurred from other than collision,
such as losses due to theft, fire, windstorm, glass breakage,
flood, and similar perils. All comprehensive losses are subject
to a $250 deductible per claim .
COLLISION INSURANCE covering loss or damage resulting from striking
another object or by upset is provided for all scheduled vehicles.
Collision insurance does not apply to private passenger vehicles
over ten (10) model years old. Please refer to the bottom of
your vehicle schedule for the model year exclusion applicable
for collision physical damage. All collision losses are subject
to a $500 deductible per claim .
NON-OWNERSHIP AND HIRED CAR LIABILITY INSURANCE is also provided
by the master policy. Non-ownership liability insurance provides
protection for the INSURED arising out of the use of personal
vehicles owned and/or operated by the insured's employees, volunteers,
or agents. Hired car liability insurance protects the INSURED
if the insured at any time hires a vehicle for its use and, while
under hire, causes injury to third parties.
UNINSURED/UNDERINSURED MOTORISTS INSURANCE is provided with
limits of $500,000. This pays for damages caused to the insured
by an uninsured or underinsured motorist or hit-skip driver,
while an insured is using or operating a covered vehicle scheduled
under the Liability coverage section described above. This coverage
pays for pain and suffering, hospital and medical bills, and
all claims that could have been asserted against the third party
had they carried adequate insurance coverage. This coverage does
not pay for physical damage to vehicles.
LEASE/LOAN GAP COVERAGE is provided for all insured private
passenger automobiles, pick-up trucks, or vans, which carry both
collision and comprehensive coverage at the time of the loss.
In the event of a covered total loss to
your insured vehicle, the company will pay any unpaid amount
due on the lease or loan for the covered vehicle LESS the following:
- The amount paid under the physical damage coverage
of the policy as well as:
- overdue lease/loan payments at the time of the
- financial penalties imposed under a lease for excessive
use, abnormal wear and tear, or high mileage;
- security deposits not refunded by a lessor;
- costs for extended warranties, credit life insurance,
health, accident, or disability insurances purchased with
the loan or lease; and
- carry-over balances from previous loans or leases.
REPORTING VEHICLE CHANGES
The policy provides automatic coverage for any newly acquired
vehicles (those purchased or leased by the insured location in
addition to vehicles obtained and chanced as prizes for the insured's
financial benefit) during the policy period. Report all vehicle
acquisitions and deletions immediately to the Diocesan Property/Casualty
Insurance Office. Be sure to have the year, make, model,
manufacturer's vehicle identification (serial) number, and the
date of the purchase or deletion prior to placing your call.
In addition, if the vehicle is financed or leased, please have
the name and address of the financial or leasing institutions(s)
that require you to name them as "Loss Payee" and/or "Additional
Insured" on this policy.
AUTOMOBILE DRIVER REGULATIONS
The automobile insurance policy provides
coverage for the named insured and the insured's employees while
driving the insured's vehicles within the scope and intent of
their use. The policy is extended to provide coverage to anyone
else who uses the insured's vehicle with the insured's permission.
However, it is incumbent upon the insured to confirm that every
operator of the insured's vehicles complies with all of
the following driver requirements and that they prohibit anyone
not in compliance from operating said vehicles:
- Must be twenty-one (21) years of age or older
- Possess a valid Ohio driver's license without any
- Not drive the insured's vehicle while under the
influence of drugs or alcohol;
- Not have any physical or mental impairments or
conditions which would jeopardize the safe operation of a motor
- Use the vehicle only within the scope and context
for which it was intended;
- Must have an acceptable driving record per "MVR GRADING CRITERIA CHART."
PASSENGER VAN OPERATION – REQUIRED POLICIES & PROCEDURES
- All van usage must be in compliance with municipal, state,
and federal requirements
- All passenger van drivers must be a minimum of 21 years of
- All operators of 15 passenger vans must have previously operated
a 15 passenger van a minimum of 6 months or satisfactorily
have completed a AAA or equivalent van driving course.
- All van drivers must have an acceptable Motor Vehicle Report
(MVR). All passenger van drivers must be submitted to the Diocesan Master Insurance Program
annually for an MVR check.
- Vans are not to be overloaded
- All vans tire pressure must be checked weekly and maintained
to manufacturers' specifications
- Driver must require all passengers to wear seat belts or
the appropriate child restraints
- All passenger van drivers should be thoroughly trained on
the placement of passengers and cargo. In extended vans passengers
and cargo should be placed forward of the rear axel and nothing
loaded on the roof.
- All passenger van drivers should be trained in the areas
of speed and road conditions.
MOTOR VEHICLE REPORTS
The Diocesan Master Insurance Program will obtain a Motor Vehicle Report (MVR) for all drivers of
insured vehicles for any program participant without charge.
Using the fillable "MVR REQUEST FORM"
please provide the name of each driver, date of birth, driver's license number, and job position,
in the columns with RED HEADINGS. Save and email the form directly to
for processing. Please include your location name in the saved document for ease of responding.
The Diocesan insurance policy will provide coverage on behalf
of the named insured entity for any injuries or damages sustained
while operating a motor vehicle privately owned by an employee
or volunteer. The policy does not provide coverage
for the individual employee or volunteer.
Physical damage to an employee's/volunteer's vehicle is not
covered by any company insurance. Such coverage, to the extent
desired, must be purchased by the individual employee/volunteer.
We strongly recommend that each employee/volunteer be requested
to carry automobile liability limits of at least $100,000 per
person/$300,000 per accident bodily injury, and $50,000 property
damage (or a $300,000 combined single limit). In any case, the
employee/volunteer must carry the minimum amount of insurance
to fulfill state financial responsibility laws!!!
It is incumbent upon the insured location to make sure that
all volunteers and employees who use their privately-owned vehicles
for the insured's business/purpose are aware of their
liability exposure and their need to carry adequate
limits of insurance coverage. Each employee or volunteer using
their privately-owned vehicle for the insured's business/purpose
should complete, sign, and retain in the insured's file an "EMPLOYEE DRIVER
COMMERCIAL DRIVERS LICENSE
All drivers who operate the following types of vehicles must
be tested and obtain a commercial drivers license (CDL):
- any truck with two or more axles and a gross vehicle
weight rating (GVWR) of 26,001 pounds or more;
- any vehicle transporting hazardous materials which
must be placarded;
- all school and church bus drivers (special CDL
endorsement required for all school bus drivers).
It is incumbent upon the insured that all drivers possess the
proper operators license and endorsements required for their