Risk Management Forms, Frequently Asked Questions, and Policies

An electronic driver application form (e-DAF) should be completed online by the prospective driver. Inaccurate information entered will delay the review process.

You can obtain an ID card from the link embedded in your driver application status email you will receive upon approval. You may request one from this office by contacting Lura Clapper at 937-775-3908. You may print an accident reporting kit (PDF).

No. There are two primary reasons. First, auto insurance coverage follows the vehicle, meaning that the insurance coverage is legally linked to the vehicle it is purchased for. Second, Wright State may only cover what is allowed by law. According to Ohio Revised Code, public institutions are directed to use all other sources of coverage first. In the case of a privately-owned vehicle, the private coverage is first in line or primary for paying a claim. Only if the claim amount exceeds other existing primary sources, will Wright State's insurance be involved.

When you rent a vehicle through a university preferred provider, the rental rate includes full liability and collision coverage with no deductible. However, if you rent a vehicle from a non-preferred provider, general liability coverage must be purchased in addition to the rental fee. The university requires insurance in amounts of no less than $100K/$300K/$50K. In addition, in the event of an accident or damage to the vehicle a deductible may have to be paid by the department depending on the type of vehicle and whether a procurement card was used to pay for the vehicle. The university's insurance policy comes into play only when the insurance limits provided by the rental company are exceeded. In addition, the university's deductible amount is $1,000, so any damage valued at less than that would not be covered.

When an employee is driving while conducting university business, workman’s compensation will be the primary source for recovering injury claims. This is due to Ohio Revised Code, which directs Wright State to use all other sources of coverage first. For involved passengers or third parties who are not directly employed by Wright State, their existing medical insurance will be the first in line for paying claims.

You should immediately call the police. Then, as soon as possible, apprise your supervisor and the Office of Risk Management, Lura Clapper, 937-775-3908. Complete the accident reporting kit (PDF) and send it to the Office of Risk Management. See University Policy 9210 for more information.

You should call the police and advise your supervisor. Then, contact your auto insurance carrier. See University Policy 9210 for more information.

Yes, if the university's equipment is damaged or destroyed in an auto accident while being transported, the auto physical damage portion of our policy would cover the loss and require the department to pay a $1,000 deductible.

If the equipment were stolen from your car, then the loss would come under our property coverage where the deductible is $100,000. On property worth less than $100,000, the department would be responsible for paying the replacement value.