Students who are enrolled in at least one credit and have paid their student fees are automatically covered under the NIC Student Accident Insurance Policy.
This insurance provides coverage for injuries caused by accidents that occur:
- On NIC-owned or controlled property, including outreach centers
- During college-sponsored events and activities
- In classroom, laboratory, or clinical settings
- During college-related travel
- Student athletes injured during practice, conditioning, or competition are covered under a separate insurance policy
Reporting an Accident and Filing an Insurance Claim
Step 1: Report the Accident Within 72 Hours
A Student Accident Report must be submitted within 72 hours of the accident.
How to Submit a Report
- Log in to the CARE Referral System using your NIC single sign-on credentials.
- Select "Accident Report" from the Report Type drop-down menu.
- In the Involved Parties section, enter the student's name.
If a Faculty or Staff Member Is Submitting the Report
- Enter your own name in the Involved Parties section.
- Select "Reporter" from the Role drop-down menu.
- Click "+ Add Another" and enter the student's name.
What Happens Next?
Once your accident report has been received, an insurance claim packet will be sent to your NIC email address.
Step 2: Understand Your Insurance Coverage
If medical treatment is needed:
- Your personal health insurance will be billed first.
- The NIC Student Accident Insurance Policy may cover eligible expenses that remain after your personal insurance has processed the claim.
- A $25 copay applies.
- If you do not have personal health insurance, you must provide a notarized statement confirming that you are uninsured. A blank statement will be included in your insurance claim packet.
Step 3: File Your Insurance Claim Within 90 Days
After your accident report has been submitted, an insurance claim packet will be sent to your NIC email address.
Important Deadline
Insurance claims must be submitted within 90 days of your initial medical treatment through the Dean of Students Office either in person or electronically.
Required Documentation
Before the insurance carrier can process your claim, you must obtain and submit documents from your healthcare provider(s), such as your doctor, hospital, or laboratory.
Important: The insurance company cannot process claims using standard medical bills or statements.
You must request and submit:
- A HCFA-1500 or UB-04 form from your healthcare provider.
- An Explanation of Benefits (EOB) from your primary insurance carrier.
Because of HIPAA privacy regulations, NIC cannot request these documents on your behalf. Students must obtain them directly from their providers and insurance company.
For more information, please contact Lynn Covey at lbcovey@nci.edu or Kylie Speaks at ksparks2@nic.edu or 208-676-7156.
Accident Report: Guardian | North Idaho College | Incident Reporting Employee