Automotive Coverage and Liability

Claims for damages to NSHE owned vehicles with Automobile Physical Damage coverage should be reported to the NSHE Risk Management as soon as possible. Accidents reported after 90 days may be denied. Reports should be made utilizing the Vehicle Accident Report form above and filled out as completely as possible. The department is responsible for obtaining three repair estimates. Reimbursement will be made based on the lowest estimate. There is a $300.00 department deductible. The claim is also based on a reimbursement, so the department is responsible for paying the costs of the repairs up-front. Claim will be reviewed by the State Risk Management Office for final determination.

If a third party is responsible for the damage to a NSHE vehicle, NSHE Risk Management will subrogate against the third party’s insurer for the repair or replacement of the damaged vehicle. If the third party has no insurance or is not able to otherwise pay for the damages; the cost of repairs will be reimbursed through the NSHE Risk Management office if there is APD coverage on the vehicle. The $300.00 deductible will be applied.

NSHE owned vehicles insured with Automobile Physical Damage coverage while being used “Off-Road”, are subject to a $2,000 department deductible.

Liability coverage includes bodily injury or property damage to others, including passengers in our vehicle, arising out of an NSHE driver’s negligence. The NSHE employee is generally entitled to defense and indemnification in such situations.

A person who performs volunteer service under the direct supervision and control of and for the benefit of the NSHE is considered an employee and is also generally entitled to defense and indemnification.

Students cannot be defended or indemnified by the NSHE under Nevada law unless the student is also an employee and is acting as such at the time of the accident. Students performing required course work are not volunteers.

Vehicles can be insured for Comprehensive and Collision (collectively known as Automobile Physical Damage coverage or APD) at your option through a self-insurance program administered by NSHE Risk Management. These coverages are not provided unless requested by the department owning the vehicle. The department bears the cost of repairs or replacement of a damaged vehicle when coverage has not been requested. Insured vehicles are subject to a deductible of $300. The deductible will be waived when it is recovered from another party.

Employees of the State of Nevada who operate state-owned vehicles are required to complete an initial approved four-hour Defensive Driving Training course and refresher training every four years as outlined by the State Risk Management Division and the State Administrative Manual

Initial training options:

• Online “Defensive Driving Course (4-hour)” from the National Safety Council
  • The NSC course costs $52.50 (as of February 2024) and should be paid by the employee’s department or group
  • 4-hour course available in either English or Spanish

Refresher training options (every 4 years after initial training):

• Online from Safety National
  • First-time users:
    • Click on “Create new account”
    • Select your institution as your location
    • Enter your first and last names and your email address
  • Returning users:
    • Log in with your existing username and password
    • Click on “Available Courses”
    • Find “Safety National Attention and Distraction”
    • Click on “Access”
  • For technical support regarding the Safety National course, call 800-355-0576 or email support@onqsafety.com
• Online from the NVeLearn State of Nevada Online Professional Development Center