If an accident occurs with an RFCUNY leased vehicle, RFCUNY may be held legally liable for damages/injuries to the vehicle or other third parties. In the event of an accident with an RFCUNY leased vehicle, the vehicle operator must take the following initial steps:
The insured party must immediately call the customer service number on the back of the insurance card to inform the insurance company of the accident and of the vehicle’s location after it is towed. Request the insurance company to send an insurance adjuster to inspect the vehicle (24-48 hour timeframe). If possible, the driver of the vehicle should meet the insurance adjustor at the repair facility at the time of vehicle’s inspection.
The insured party must also contact RFCUNY to relay the information provided by the insurance company (i.e. claim number, adjuster contact information, etc.). RFCUNY receives the loss check from the insurance company and pays the repair facility directly. The deductible (currently $1,000) will be removed in the form of a debit from the project’s account.
The vehicle’s driver (or their representative), as the possessor of the vehicle, is responsible for transporting the car to the repair facility and retrieving the vehicle upon repair.
When the repair of a vehicle is complete, the New York State Department of Motor Vehicles requires that the driver and the repair facility complete and sign a #APD2 form, which attests to the completion of repairs. It is the responsibility of the driver to forward the completed #APD2 form to the Insurance Manager at RFCUNY. The Insurance Manager will submit the completed form to the auto insurer on behalf of the driver and repair facility.