Insurance for Personal Vehicles Use by State Employees

Employees of the State of Georgia government entities who operate their personally owned vehicle while performing their job receive liability insurance coverage under the State’s Tort Claims Insurance Policy. There is no direct cost to the employee, and no deductible in the event of an accident. The Tort Claims Insurance Policy does not provide property damage coverage (collision).

However, if an employee operates their personally owned vehicle and typically transports consumers, then their personal insurance would likely increase once the carrier is made aware of the situation.

The legal reference is O.C.G.A.50-21-25. The State Tort Claims Liability Insurance Policy is referenced for the information below.

The Insured (Who is Covered)

All State of Georgia Government Entities, which include state offices, agencies, authorities, departments, commissions, boards, divisions, instrumentalities, or institutions (this now includes Community Service Board employees).

Specifically, within the Department of Human Services (DHS) and the Department of Behavioral Health and Developmental Disabilities (DBHDD), this coverage is applicable to employees, board members, volunteers whose application for liability coverage is received and approved or a foster parent in a certified foster parent home.

General Policy Details

Name

Tort Claim Trust Fund, Department of Administrative Services

Period

July to July. The Volunteer Insurance Policy will automatically renew each year on July 1.

Type

This insurance policy will pay from the Tort Claim Trust Fund all sums the insured becomes legally obligated to pay as damages, court costs and litigation expenses because of the negligence of a DHS or DBHDD state employee, board member, CSB employee, approved volunteer or certified foster parent. Typically, the negligence would occur while the covered individual was performing his or her official duties (i.e. an individual transporting a consumer in their personal vehicle).

Territory

This insurance policy covers the state employee anywhere he or she is performing their specified duties

Liability Limits

$1,000,000.00 each person; $3,000,000.00 aggregate occurrence