BCJPIA has a risk-sharing Auto Physical Damage (APD) pool that provides coverage for comprehensive and collision damages that exceed $1,000 up to the $25,000 Public Entity Property Insurance Program (PEPIP) deductible. PEPIP provides excess group purchased insurance coverage for those members that elect this insurance through the all-risk property program.

This pooled program began in 2000 with the intent to set aside sufficient funds over the following five to seven years to allow members to cease contributing to the pool, and thereafter, allow the investment earnings on the funds to cover future losses and administration costs. To date, the pool has exceeded the initial growth projections.

Claims administration for APD claims is handled by Bickmore Risk Services.  To report a claim, members must submit an APD Claim Form (can be found in the Forms and Documents page), a police report, if applicable, and two (2) estimates of damage to Ia Her.