Motor Vehicle Insurance

Insurance & Risk Management purchases vehicle insurance through the State of North Carolina liability insurance program. Travelers Insurance Company administers the program and handles claims. All state-owned self-propelled vehicles at minimum must be insured for liability. Departments and colleges may also purchase comprehensive, collision and medical payments coverage through the program.

Only employees on NC State’s payroll may drive state-owned vehicles and leased vehicles.

Origami Risk Vehicle Insurance Program

Origami Risk is an online risk management information platform used by Insurance and Risk Management that provides comprehensive asset inventory and claims management functions.  All state-owned self-propelled vehicles are added, changed or removed in the university’s web based application.  State-owned vehicles do NOT have insurance coverage until the vehicle is entered and approved in the Origami Risk system.

Origami Risk User Role

Each university department/college has an assigned Origami Vehicle Coordinator. Origami Vehicle Coordinators are provided the ability to submit change requests for their department’s autos, such as adding and surplusing vehicles, updating vehicle plate numbers and adding project numbers.  Origami Vehicle Coordinators are also able to report auto incidents when they occur, which in turn are directly sent to Insurance and Risk Management for review and processing.  If you are unsure who your Origami Department Coordinator is, or you do not have a coordinator, please contact us.

Adding a New Vehicle in Origami

All University-owned self-propelled vehicles must be entered into the Origami system in order to maintain liability insurance coverage.

To add a new vehicle in Origami Risk click the link “Adding a New Vehicle” training video or instruction manual.

 Insurance Coverage

Liability

Liability insurance covers injuries and property damage to another person or thing.  All state-owned self-propelled vehicles at minimum must be insured for liability.

Collision and Comprehensive

Collision insurance covers damages to the state-owned vehicle when physical damage occurs from a collision with another vehicle or object.  Comprehensive insurance covers damage to the state-owned vehicle as a result of falling objects, theft, larceny, and contact with animals.  Departments can choose to add collision and comprehensive coverage or comprehensive coverage only to a vehicle.

Medical Payment

Medical Payment, MedPay, is a required coverage on 15 passenger vans.  ‘MedPay’ covers medical expenses for the passengers (non-employees as passengers or students) in the van that may need medical assistance in the event of an accident.  ‘MedPay’ would provide up to $10,000 worth of medical expenses that may occur.  ‘MedPay’ does not cover employees that are injured.

Surplus a Vehicle in Origami

University departments/colleges must surplus state-owned vehicles according to the NC Department of Administration and NC State Surplus process. State-owned vehicles cannot simply be removed.  Surplus vehicles include any self-propelled vehicle not drivable or badly damaged; no longer needed by the university department to continue its operation.

Origami Vehicle Coordinators must contact Procurement & Business Services to begin the Disposition of Property process.  Origami Vehicle Coordinators should not begin the surplus process in Origami until all required documents are completed and the vehicle has been physically removed from NC State University’s property. Without the signed Surplus Disposal Form and removal confirmation, the surplus request cannot be approved nor remove insurance from the vehicle.  Liability and/or physical damage insurance premiums will continue to be charged to the department if this is not completed.

To surplus a vehicle in Origami Risk click the “Surplus a Vehicle” training video or instruction manual..

Reasons to Surplus

There are different reasons why a department must surplus a vehicle in the Origami Risk system.  Removing and deleting insurance from a state-owned vehicle is referred to as Surplus.

1. 1. State of North Carolina Surplus Property bid system
      1. Vehicles are removed from NC State University property and taken to the State of North Carolina Surplus site to be sold.
   2. Sold As-Is, Where-Is
      1. These vehicles are being sold at its current location instead of the State of North Carolina Surplus Property bid system. The vehicle will remain on NC State University property until it is sold.
   3. Stolen
   4. Involved in an accident and deemed as a total loss
   5. Being transferred to a different agency (even state agency).

Vehicle Accidents/Claims

Vehicular accident and property damage is defined as any accident occurring between an NC State vehicle (owned or rented) and another vehicle, pedestrian, animal or fixed object. Contact law enforcement to investigate all vehicle accidents. It is incumbent upon the employee to ensure that all facts are obtained with respect to the other driver.

NC State employees should not admit fault or liability or make any statement relative to guilt or responsibility. Employees should provide law enforcement with the facts related to the accident.

If you are involved in a vehicle accident in an NC State vehicle, contact your Origami Vehicle Coordinator to complete the incident form in Origami Risk. Also, complete the NCSU Supervisor’s First Report of Incident report. Attach any photographs, police reports, rental agreements or other information to support the claim.

To find out how to submit a vehicle accident click the “Reporting Damaged University Owned or Leased Vehicle” training video or instruction manual.

The following deductibles apply to comprehensive and collision:

Vehicle Accident Involving another State Vehicle

If your loss is the result of damage by another state vehicle, there is no coverage under the insurance program and Travelers will not handle either claim. The departments involved will be responsible for working together to secure repair estimates and coordinate those repairs.  Origami Vehicle Coordinators should enter the accident and claim details in the Origami Risk system for record purposes.

Vehicle Accident Involving another Person

If your loss is the result of damage by another person, the department will work with the other party’s insurance carrier for repairs.  Origami Vehicle Coordinators should enter the accident and claim details in the Origami Risk system for record purposes.  If the department experiences any issues or problems while working with the other party’s insurance carrier, please reach out to IRM for assistance.

Rental Vehicle Insurance

Renting a vehicle using the State Term Contract 975B Vehicle Rental Services and using NC State’s custom account number (#NC53E01)

• National and Enterprise cover the rental vehicle for up to a total loss regarding physical damage and 3rd party claims up to $1 million.
• This account has billing options if authorized through the controller’s office.  The employee is required to provide Employee ID#, Department ID#, and the Project ID# at time of reservation.

Driver Protection Products: U.S./Puerto Rico/District of Columbia:

• • Loss Damage Waiver (LDW): Full coverage with $0.00 deductible included in rate list.
  • Liability: $1,000,000 CSL included in rate list.
  • International: BPRI, Damage Waiver included based on country requirements.

15-Passenger vans are not covered under the State Term Contract.

The 975A State of NC Enterprise Truck Rental program has expired.  Enterprise is offering business discounted rates at their Truck locations.  Employees are required to present a Certificate of Insurance at the time of pick up.  To obtain a Certificate of Insurance click the Rental Vehicle Certificate of Insurance Request form on our website.

See the Controller’s Office Make a Rental Vehicle Reservation page for more information regarding vehicle rentals.

To add a rental vehicle in Origami Risk click the “Entering a Rental Vehicle” training video or instruction manual.

Rental Vehicle Accident

If you are in an accident while driving a State Term Contract rental vehicle, notify the rental car company and the department’s Origami Coordinator to enter the vehicle accident information in the Origami Risk system.

15-Passenger Van Driver Checklist & Reference Guide