Community College Risk Management Consortium 2019...$46.5M verdict in medical malpractice case $81.5M verdict in asbestos auto case ... Risk Management 3. Underwriting 4. Pricing U.S

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© 2019 ARTHUR J. GALLAGHER & CO. | AJG.COM

Higher Education Practice

IMPLEMENTING AN EFFECTIVE DISTRICT

DRIVER AUTHORIZATION PROGRAM Joseph J. Mazza, ARM-P | July 19th, 2019

Community College Risk Management Consortium 2019

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• Need for an Effective Risk Management Driver Approval Program

• Vicarious Liability • Negligent Entrustment/Hiring • Financial Responsibility Law • MiraCosta College Board Policies & Procedures

for Documentation • DMV Employer Pull Notice Program

IMPLEMENTING AN EFFECTIVE DISTRICT DRIVER AUTHORIZATION PROGRAM

Agenda


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• Volunteers and How to Obtain Approval • Develop Consistent Application • Risk Management Links • Federal Trade Commission-Fair Credit

Reporting Act and California laws • Questions Raised by Employees and How to Answer Them (Pushback) • Portal List of Approved Drivers


Agenda


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DISCLAIMER: JOSEPH J. MAZZA, ARM-P is providing this presentation for informational purposes only which includes a

summary of various state and federal laws, including the current MiraCosta Community College District Board Policies and

Procedures. Legal information is not the same as legal advice. This presentation is NOT intended to serve as legal counsel or for the

purpose of providing legal assistance. Mazza strongly encourages you to check with your legal counsel for additional information on

how you may minimize your agency’s potential liability. Mazza recommends that you consult an attorney who is licensed and

practices law in your State if you want professional assurance that this information, and your interpretation of it, is appropriate to your

particular situation or issue. The opinions and views expressed in or throughout this presentation

and related material are the sole opinions of Mazza and may not reflect the opinions of his District, your agency or your legal counsel.


DISCLAIMER


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1. Attendees find the topic very interesting! 2. Attendees have some interest and find the slides

enjoyable! 3. Attendees had nothing else to do for 30 minutes

before lunch other than check their smart phone for e-mails, etc. and text friends and family back home!


Presentation Observations


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Benjamin Franklin

Do it to Know it “Tell me and I forget, teach me and I may

remember, involve me and I learn.”

https://www.goodreads.com/author/show/289513.Benjamin_Franklin


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The most ironic part about risk management is that risk management is actually not about managing risks, it’s about making decisions with risks in mind. Big Difference

Risk Management


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Do you care?


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John Savage

Let’s Talk Knowledge!

5% Product Knowledge 95% People Knowledge


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Higher Education Practice Not the 405 in LA!! 405 Which means 4 or 5 hours!


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1. AVOID 2. RETAIN 3. TRANSFER

What is Risk Management?

ART


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1. AVOID

What is Risk Management?

ART


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Higher Education Practice Risk to the Extreme!


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Higher Education Practice Plank Road in the Sky-China!


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Higher Education Practice My Game Plan

“THE BEST ARGUMENT IS THAT WHICH IS MERE EXPLANATION!” Joe Mazza


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Higher Education Practice Do you know who’s behind the wheel of your District vehicle? Studies show 5% to 7% of drivers on US roads have an invalid or inactive driver’s license. If one of those drivers is employed by you and is liable for a severe or fatal accident while driving on District business, you’re looking at a multi-million negligent entrustment case.


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2017: A Sampling of Catastrophic Verdicts $35M verdict in traffic accident case $56.5M verdict against CalTran $46.5M verdict in medical malpractice case $81.5M verdict in asbestos auto case $110M & $417M verdicts in talc cases $115M verdict in helicopter crash case $25M award in faulty brake case $148M premise liability verdict against O'Hare Airport


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Do You Have a Plan?


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Planning Ahead of Time!


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Risk Manager Hiding?


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Higher Education Practice Professor Harold Hill- “The Music Man”


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Higher Education Practice James Bond Deactivating the Time Bomb!


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For the second year in a row, more than 40,000 people died in motor vehicle crashes-the steepest two-year increase in over 50 years. (National Safety Council)

The Average Cost of a motor vehicle incident involving an injury is $92,000 and

skyrockets to about $1.6 million per fatality!*

*Injuryfacts.nsc.org


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NEED FOR AN EFFECTIVE RISK MANAGEMENT DRIVER APPROVAL PROGRAM

• Risk Management program can reduce accidents by as much as 30-50%. • Entity could be sued when an authorized driver is negligent on the job. It can be exposed to even greater liability if the entity is negligent as well. • Ignoring bad driving records regarded as reckless or grossly negligent conduct.


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NEED FOR AN EFFECTIVE RISK MANAGEMENT DRIVER APPROVAL PROGRAM

• Take reasonable steps to avoid liability and verify that the authorized driver has an acceptable driving record by checking Motor Vehicle Reports (MVR’s). • The basic legal standard is reasonableness under the circumstances. In a claim situation, the entity will be judged on whether or not it could have reasonably anticipated the risk of the accident; whether the screening policy or lack of one, could have contributed to the accident.


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HIT

HONESTY INTEGRITY TRUSTWORTHY


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“California is looking at lowering the blood alcohol content (BAC) to 0.05% to be considered legally impaired. Nationwide, it is 0.08%.


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FREQUENCY & SEVERITY


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Commercial Auto Market Should Improve This Year, But Not a Lot: A.M. Best 4/4/2019

Factors;

1. Commercial Auto Losses 2. Risk Management 3. Underwriting 4. Pricing

U.S. Commercial Auto Combined Ratio was 112.9 through Q3 2018.

It was 111 in 2017 and 110.4 in 2015. In 2010 it was 97.9.


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Higher Education Practice Commercial Auto Market Should Improve This Year,

But Not a Lot: A.M. Best 4/4/2019

A.M. Best blames in particular “years of inadequate pricing and woefully inadequate reserving” that have left the sector with a premium base “unable to keep pace with deteriorating loss frequency and severity trends.”

A.M. Best predicts more problems in 2019.

U.S. commercial auto being challenged by more vehicles traveling more miles boosting accident frequency, the poor shape of U.S. roadways and distracted driving. JPA SIR $1,000,000 plus $10,000 Deductible

MCCD Experience: $16,476 to $18,610 or 12.9% increase.


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RISK ASSESSMENT Likelihood of Occurrence: Likelihood (e.g., probability or frequency) may be determined by using a scale of 1 - 5.


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Hat Trick (X 3) and More!!

1. Increased renewal of insurance premiums;

2. Third-Party property damage;

3. Liability costs;

4. District vehicle repair costs;

5. Fleet operations affected;


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Hat Trick (X 3) and More!!

6. Medical expenses; 7. Wage losses; 8. WC Claims: Higher experience modification factors for years

9. Lost time, training and productivity Ratios can also be improved dramatically


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Vicarious Liability Vicarious liability (VI) can be defined as the liability created by an action or non- action by a person, working on behalf of the entity, when it is responsible for all the actions or inactions of such person within the limits of their association. So when an employee or worker cause a loss to somebody in the normal course of his duty, then the employer will be responsible for such loss.


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Negligent Entrustment

Negligent entrustment (NE) in simple language means that you were negligent by allowing a person or persons to use your property such as a vehicle. You owe a duty of due care to ensure that you did not loan your vehicle to a person with a suspended driver’s license. Verify that they have a driver’s license and automobile insurance. Also applicable if the entity failed to monitor the employee’s driving records during the course of employment. When employees drive for business, employer has a fiduciary obligation to verify that each driver has a valid license and a driving record that does not expose the entity to risk. Without proper documented driver verification and safety procedures in place, an entity is at considerable risk for NE claims. NE claim is improper where an employer stipulates to VI on behalf of employee. Jeld-Wen, Inc. v. Superior Court of San Diego 05 C.D.O.S. 6746 Cal. App. 4th District (8/1/2005)


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Negligent Entrustment

Not a separate individual tort. Once the employer admittedly becomes VL for negligent acts of employees, there is no remaining basis at a future trial to attempt to prove negligence of employer itself, such as through knowledge of employee prior accidents. Thus, where employer stipulates VL, plaintiff cannot pursue NE against employer.


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Negligent Hiring

• When hiring someone with a poor driving record for a position that requires driving, the District could be liable to a person injured in a traffic accident caused by the employed driver. • Require job candidates to submit MVR’s as part of the employment application process.

• Require official, original documents (two-color DMV form) and not photo copies. Copies can be made by HR if verified and returned.


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Higher Education Practice The MVR Cost… only $5 @ DMV ------ The Wait Time…Priceless!!


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Applicant Explanation: Playful joke

DMV Comments: BMW hunter, he has an Audi. So he’s hunting down BMW drivers?

Verdict:


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Applicant Explanation: Playful joke

DMV Comments: BMW hunter, he has an Audi. So he’s hunting down BMW drivers?

Verdict: No!


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Applicant Explanation: Myself being a middle-aged woman DMV Comments: Hot and sexy Verdict:


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Applicant Explanation: Myself being a middle-aged woman DMV Comments: Hot and sexy Verdict: Yes!!


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Applicant Explanation: In remembrance of me and my girlfriend’s anniversary. Meaning ‘be my bae’, before anyone else. DMV Comments: Bae Verdict:


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Applicant Explanation: In remembrance of me and my girlfriend’s anniversary. Meaning ‘be my bae’, before anyone else. DMV Comments: Bae=Poop in Danish Verdict:


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Applicant Explanation: In remembrance of me and my girlfriend’s anniversary. Meaning ‘be my bae’, before anyone else. DMV Comments: Bae=Poop in Danish Verdict: No!!!


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Californians speak at least 220 languages—that’s 220 different ways to say “poop.”)


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Financial Responsibility Law “What is it?” Brief Review: California’s Compulsory Financial Responsibility Law Four forms to comply with CVC 16028: 1. A motor vehicle liability insurance policy*; 2. A deposit of $35,000 with DMV; 3. A surety bond for $35,000 obtained by company licensed to do business in CA; 4. A DMV issued self-insurance certificate *CVC 16056: Minimum amount vehicle owner must cover per accident is: $15,000 for a single death or injury; $30,000 for death or injury to more than one person; $5,000 for property damage.


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Why are we here?

• Back in 2006, the SDCOE JPA required that members have a minimum DISTRICT amount for employees of: $100,000 for single death or injury; $300,000 for death or injury to more than one person; $50,000 for property damage.

• The JPA broker stated that the employee or

volunteer auto limits can protect the JPA’s Self- Insured Retention (SIR) and excess insurance simply through the adequacy of limits to respond to a claim. They cannot satisfy the SIR because the JPA is a separate entity.

• Remember the disclaimer!


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ACCIDENT INVOLVING EMPLOYEE, STUDENT WORKER OR VOLUNTEER

Example: $300,000 claim and settlement

Example #1 Example #2

SOURCE Carry State Min. Limits

Carry District Min. Limits Difference Impact

Employee, student $15,000 per

person $100,000 per

person ** $85,000 Paid by Employee's worker or volunteer Insurance

District JPA Deductible $10,000 $10,000 $0 Cash paid by District

JPA Self-Insured Retention $240,000 $190,000 $50,000 Indirectly Paid by District*

Insurance Company $35,000 $0 $35,000 Negatively impacts

District Premium for 5 years

Total $300,000 $300,000 $85,000

Employee's insurance contributes to claim, but District still has obligation to pay the the Deductible and SIR

* Initially paid from Self-Insured Retention (SIR), but then each year the District must fund the restoration of the SIR to the accrual amount specified by the JPA.

** Approximate additional yearly cost to employee for $100,000 per person limit is $100-150/year; actual cost depends on factors such as age, driving record and number of insured vehicles.


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Board of Trustees 3 Goals

1.Minimum revised requirements employees/ student workers/volunteers must have before driving for entity-related activities, and the entity’s expectations for minimum employee performance in driving-related positions.

2.Minimum age and driving experience requirements. At least 18 or 21 (entity selection) and have at least three years’ driving experience. Consider practical behind-the-wheel experience with that vehicle.

3.Violations that disqualify a job candidate from employment or an employee from driving on the entity’s behalf. Bar drivers with serious or multiple violations or both from driving their vehicles.


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Administrative Procedure 6530: Vehicle Use/District Authorization • Driver Requirements/Authorization • Authorization to Drive on District Business • Supervisor’s Responsibility • Use of District-Insured Vehicles • District Vehicle Reservation and Scheduling • Rental of Vehicles • Vehicle Insurance


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Administrative Procedure 6530: Vehicle Use/District Authorization • Automobile Proof-of-Insurance Card • Use of Personal Vehicles • Use of Private Vehicles on Field Trips • Proof of Insurance for Personal Vehicles Used on District

Business • Proof of Insurance on Private Vehicles Used on District

Business • Claiming Mileage for Conferences • Safety


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Administrative Procedure 6530: Vehicle Use/District Authorization • Safety Issues • Accident Reporting Procedures: Insurance and Accident

Reports • Vehicle Maintenance: Checkout, Maintenance and Return of

Vehicles • Use of Gasoline Credit Cards • Volunteer Drivers/Motor-Vehicle Report Program • Motor-Vehicle Report (MVR) Program • Utility Cart Safety Training


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Department of Motor Vehicles (DMV) Employer Pull Notice (EPN) Program California Vehicle Code (CVC) 1808.1)

The EPN program allows your organization to monitor drivers license (DL) records of employees who drive on your organization’s behalf. This monitoring accomplishes the following: • Improves public safety;

• Determine if each driver has a valid DL;

• Reveals problem drivers or driving behavior;

• Helps to minimize your liability.


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Department of Motor Vehicles (DMV) Employer Pull Notice Program (CVC 1808.1)

Out-of-State Drivers • A driver licensed in another State will be assigned an "X" number for tracking purposes. • Citations issued in California will be added to the "X" record and monitored. • If another State reports an action/activity to California on out-of-state licensed drivers or California licensed drivers, it will be stored on the driver record and reported to employer.


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Prospective Hires

The employer of a prospective driver is required to obtain a copy of the driver (motor vehicle) record showing the driver's current public record. If hired, the driver record is to be reviewed, signed, and dated by the employer and maintained.


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Higher Education Practice Enrollment of Non-Mandated Drivers

There is no provision contained in CVC1801.1 that permits the enrollment of drivers not specified in CVC 1808.1 (k), however, in the interest of public safety, the DMV will allow an employer to enroll non-mandated drivers in the EPN Program when all of the following conditions have been met: • Must be an employer/employee relationship including Volunteers • Employee must drive frequently during course of employment. • Employer must have employee sign a waiver (form INF 1101 or internal document with similar language) which must be maintained at the employee’s worksite. • http://www.dmv.ca.gov/forms/epn/inf1101.pdf • Information received by the employer shall be for the business use of the employer and shall not be passed or shared with any third party. • Upon termination of employment, employer must remove employee from EPN program immediately.

http://www.dmv.ca.gov/forms/epn/inf1101.pdf


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Developing consistent application of the policy is critical. •Clear procedures

•Requesting the MVR review

•Reviewing the records obtained

•Taking any necessary action based on the records.


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Higher Education Practice Identify specific moving violations that can disqualify an individual from performing driving tasks or operating an entity-owned vehicle if they occur within a particular time period (using 3 years auto insurance industry standard) prior to and during employment.


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“I GOT STOPPED FOR SPEEDING YESTERDAY. I THOUGHT I COULD TALK MY WAY OUT OF IT UNTIL THE COP LOOKED AT MY DOG IN THE BACK SEAT!!!!”


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Disqualification Examples include: (2 Point Violations)

• Operating a vehicle under the influence of drugs or alcohol within the prior three years

• Vehicular homicide

• Drag racing offenses

• Felonies involving a vehicle


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Disqualification Examples include: (2 Point Violations)

• Driving on a suspended or revoked license

• A hit and run accident

• Fleeing police in a motor vehicle (or the LA Pastime - 405!)

• Two or more moving violations in the prior moving three years


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American Transportation Research Institute (ATRI) (Business Insurance 10/26/2009)

The ATRI studied commercial truck drivers from 2000-2003 and surveyed

more than 540,000 drivers. In its’ summary of crash likelihood, ATRI

found that a reckless driving violation increased the likelihood of a crash by 325% and that an improper or erratic lane change conviction increased the

likelihood by 100%!!


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Higher Education Practice Other Considerations…! • Right to check an employee’s MVR on an ongoing basis • Self-reporting traffic violations or accidents during employment, or both • Discipline for traffic violations


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RISK MANAGEMENT PROGRAM https://www.miracosta.edu/hr/riskmanagement/programs.html

https://www.miracosta.edu/hr/riskmanagement/programs.html




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Drivers and Vehicles Information Memo New Driver Procedures (PDF) ALL FORMS NEED TO BE FILLED IN ONLINE, THEN PRINTED. HANDWRITTEN FORMS ARE NOT ACCEPTABLE AND WILL BE RETURNED Employee/Student Worker operating a District Vehicle • Steps to Follow (PDF) • Motor Vehicle Driver Authorization Request Form B-167 (PDF) Employee/Student Worker Mileage Reimbursement • Steps to Follow (PDF) • Motor Vehicle Driver Authorization Request Form B-167 (PDF) • Authorization for Use of Privately Owned Vehicles for District Business

Form B-165 (PDF) • Automobile Liability Insurance Declaration Page Sample (PDF)

https://www.miracosta.edu/hr/riskmanagement/downloads/new_driver_procedures.pdf



https://www.miracosta.edu/hr/riskmanagement/downloads/DMV-STEPSTOFOLLOW-1--Mar2012.pdf

https://www.miracosta.edu/hr/riskmanagement/downloads/B-167MotorVehicleDriverAuthorizationRequest--August2011.pdf



https://www.miracosta.edu/hr/riskmanagement/downloads/DMV-STEPSTOFOLLOW-1--Mar2012.pdf




https://www.miracosta.edu/hr/riskmanagement/downloads/B-165AuthorizationforUseofPrivatelyOwnedVehiclesforDistrictBusiness--August2011.pdf




https://www.miracosta.edu/hr/riskmanagement/downloads/automobile_liability_declaration.pdf


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Federal Trade Commission (FTC) & the Fair Credit Reporting Act (FCRA) Oh No, Not That … and even more acronyms… like I don’t have enough to remember already!! I knew they were going to run a credit report on me!!


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FTC FACTS The Act The FCRA is designed to protect the privacy of consumer report information and to guarantee that the information supplied by credit reporting agencies (CRAs) is as accurate as possible. Consumer reports may include information on an applicant’s credit history, medical conditions, driving record, criminal activity, and hazardous sports. Amendments to the FCRA, which went into effect September 30, 1997, increase the legal obligations of insurers who use consumer reports.


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• California Consumer Credit Reporting Agencies Act (CCCRAA) applies to “consumer reports” which are defined by the statute to essentially mean credit reports. (CA. Civil Code Sec. 1785) • The California Investigative Consumer Reporting Agencies Act (ICRA) defines “investigative consumer report” much more broadly than the FCRA. CA. Civil Code Sec. 1786.2 (c). /CA. Civil Code Sec 1786.22; Employers are required to provide applicants/employees an opportunity to request a copy of any consumer report ordered on them. • Definition of an “investigative consumer report”; information on a consumer’s character, general reputation, personal characteristics or mode of living obtained through any means. This definition specifically excludes “consumer reports” under the CCCRAA (credit reports) or other compilation of information that are limited to information about a consumer’s credit record, which are governed by the CCCRAA.


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Fair Credit Reporting Act Compliance Investigative Consumer Credit Reporting Agency Act (“ICRA”) defines “investigative consumer report” as a consumer report in which information on a consumer’s character, general reputation, personal characteristics, or mode of living is obtained through any means. This definition specifically excludes “consumer reports” under the CCRA (credit reports) or other compilations of information that are limited to information about a consumer’s credit record. Thus, unlike the FCRA, the ICRA does not limit the definition of investigative consumer reports to those obtained through personal interviews by third party agencies.


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Fair Credit Reporting Act Compliance Virtually any report ordered by an employer from a third party for employment purposes (apart from credit reports governed by the CCRA) are considered “investigative consumer reports” under California law. Such reports would commonly include criminal background checks; educational, employment and driving records checks; and licensing and certification confirmation reports.


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Four Steps 1. Disclosure and Written Consent

2. Certification to the Consumer Reporting Agency

3. Provide Copies of Reports and Wait a Reasonable

Amount of Time Before Taking Adverse Action

4. Notice After Adverse Action


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Federal law requires that these records be retained for a period of five years.

All states were required to comply by Sept. 13, 1997. Amendment by Congress effective June 1, 2000 says individual states must comply with the minimum requirements outlined, but may add additional requirements or restriction for dissemination of their state motor vehicle records.


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Consumer Reports: What Insurers Need to Know

As an insurer, (employer=self-insurer) you may use consumer reports to underwrite insurance policies and to screen high-risk applicants—as long as you comply with the Fair Credit Reporting Act (FCRA). Ensure; (1) that individuals are aware that consumer reports may be used for employment purposes and agree to such use and (2) that individuals are notified promptly if information is an consumer report may result in a negative employment decision.


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Consumer Reports: What Insurers Need to Know These reports are obtained through Consumer Reporting Agency (CRA) Requires that; (1) you must notify the individual in writing-in a document consisting solely of the notice-that a report may be used and (2) you also must get the person’s written authorization before you ask a CRA for a report.


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The Adverse Action Notice The following disclosure requirement applies to new applicants as well as current employees. When an adverse action is taken—such as a decision to deny employment —and it is based solely or partly on information in a consumer report, Section 615(a) of the FCRA requires you to provide a notice of the adverse action to the consumer (applicant/employee). The notice must include: • the name, address, and telephone number of the CRA that supplied the consumer report, including the toll-free telephone number for credit bureaus, if applicable, that maintain files nationwide; •


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The Adverse Action Notice • A statement that the CRA that supplied the report did not make the decision to take the adverse action and cannot give the specific reasons for it; and • A notice of the individual’s right to dispute the accuracy or completeness of any information the CRA furnished, and the consumer’s right to a free report from the CRA upon request within 60 days.


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Disclosure of this information is important because some consumer reports may contain errors. The adverse action notice is required even if information in the consumer report was not the main reason for the denial or rate increase. Even if the information in the report played only a small part in the overall decision, the applicant still must be notified. While written adverse action notices are not required, many insurers provide them and keep copies for two years to show compliance with the FCRA.


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Non-compliance with the FCRA (Here are the Penalties) There are legal consequences for (self-) insurers who fail to get an applicant’s permission before requesting a consumer report containing medical information or who fail to provide required disclosure notices. The FCRA allows individuals to sue (self-) insurers for damages in federal court. A person who successfully sues is entitled to recover court costs and reasonable legal fees. The law also allows individuals to seek punitive damages for deliberate violations. (No punitive damages in public sector) In addition, the Federal Trade Commission, other federal agencies, and the states may sue (self-) insurers for non-compliance and obtain civil penalties.


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Higher Education Practice Non-compliance with the FCRA (Here are the Penalties) The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them.


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Dear John: When you applied for District driving privileges, you consented to an independent investigation of your background, specifically reviewing your motor vehicle record. MiraCosta Community College District contracted with the California Department of Motor Vehicles (DMV) whose address and telephone number is: Driver License Inquires Department of Motor Vehicles P.O. Box 942890 Sacramento, CA 94290-0001 1-800-777-0133

The DMV has not made this decision and is not able to explain why the decision was made. Enclosed are a copy of the report and a copy of your rights under the Federal Fair Credit Reporting Act.

If you believe the information listed in the report is not accurate, please contact the DMV. Sincerely, Joseph J. Mazza, ARM-P Director/Risk Management

Pre and Post Adverse Action Letters

Sample Pre-Adverse Action Letter


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Dear John: We regret to inform you that you may not operate a district vehicle.

This action was influenced in whole or in part by information in a consumer report made, at our request, by the Department of Motor Vehicles (DMV); Driver License Inquires Department of Motor Vehicles P.O. Box 942890 Sacramento, CA 94290-0001

1-800-777-0133

The DMV did not make the adverse decision and cannot provide the reason for the decision. You may obtain a free copy of the report within 60 days from the date you receive this notice. You also have the right to dispute directly with the DMV the accuracy or completeness of any information provided. This complies with MiraCosta College Board Policy and Procedure 6530. Sincerely,

Joseph J. Mazza, ARM-P Director/Risk Management

Pre and Post Adverse Action Letter

Sample Post Adverse Action Letter


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A Summary of Your Rights Under the Fair Credit Reporting Act https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf


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EXPECT MAJOR PUSHBACK!!


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QUESTIONS THAT CAN BE RAISED BY EMPLOYEES (PUSHBACK)

• Those five speeding tickets and DUI occurred while I was

drivin’ my own pick-up truck and not the District’s vehicle!!! I drink at home now!!

• Why are you asking me to sign something now since I have been an employee for 20 years?

• Why do I need to increase my auto insurance just to get mileage reimbursed? The State says I can carry 15/30/5 to drive my car!!!

• You are full of s#!+ and I am not going to sign anything until I speak with my lawyer!!

• The Union should know about this!! • More Big Brother!!


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SUMMARY of MILEAGE REIMBURSEMENT Standard Mileage Rate: If you use the standard mileage rate for a year, you cannot deduct your actual car expenses for that year. You cannot deduct depreciation, lease payments, maintenance and repairs, gasoline (including gasoline taxes) oil, insurance, or vehicle registration fees.

SOURCE; IRS Form 463, page 15.


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PORTAL DRIVE LIST OF APPROVED DISTRICT DRIVERS

Established a Portal Drive List available online (internally) List current authorized Employees/Student Workers/Volunteers Drivers, etc. Regular updates required and assign to an employee who monitors DMV reports


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• Last Name • First Name • Middle Name • Full Name • Status • Supervisor • Reimbursement • Cart Operator

Portal Headings


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CARPOOL


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And on the Lighter Side… Accident insurance claim forms asked for a brief statement about how the accident happened. The combination of the finger pointing instinct and the small spaces provided on the forms can lead to some curiously phrased explanations. 1. “A pedestrian hit me and went under my car.” 2. “The other car collided with mine without giving warning of its intentions.” 3. “Coming home, I drove into the wrong house and collided with a tree I don’t have.” 4. @“The pedestrian had no idea which direction to go, so I ran over him.” 5. “I was taking my canary to the pet hospital. It got loose in the car and flew out the window. The

next thing I saw was his rear end, and there was a crash.” 6. @“The indirect cause of this accident was a little guy in a small car with a big mouth.” 7. “I had been shopping for plants all day and was on my way home. As I reached an intersection, a

hedge sprung up, obscuring my vision.” 8. “I was on the way to the doctor with rear end trouble when my universal joint gave way causing

me to have an accident.” 9. @“When I could not avoid a collision, I stepped on the gas and crashed into the other car.” 10. “In my attempt to kill a fly, I drove into a telephone pole.” 11. “My car was legally parked as it backed into the other vehicle.” 12. @“The telephone pole was approaching fast. I was attempting to swerve out of its path when it

struck my front end.” 13. “A truck backed though my windshield and into my wife’s face.” 14. @“I pulled away from the side of the road, glanced at my mother-in-law and headed over the

embankment.” 15. @“An invisible car came out of nowhere, stuck my vehicle and vanished.”


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Questions?


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Thank You! JOSEPH J. MAZZA, ARM-P [email protected] 760-795-6866 LinkedIn: Joseph J. Mazza, ARM-P

2850 Golf Road Rolling Meadows, IL 60008-4050 USA

mailto:[email protected]

Documents

Community College Risk Management Consortium 2019...$46.5M verdict in medical malpractice case $81.5M verdict in asbestos auto case ... Risk Management 3. Underwriting 4. Pricing U.S