Automobile Insurance Policy
Automobile insurance is provided for all University owned, rented, borrowed and leased vehicles
The University maintains automobile bodily injury and property damage liability coverage for all owned vehicles that have been registered with Transportation Services. Primary coverage is extended to all University personnel while using a University vehicle with permission.
In the U.S.A., the University’s automobile policy will provide excess liability coverage when a non-owned, hired, or borrowed vehicle is driven by an authorized person on University business.
Abroad, when a vehicle is leased or rented, liability coverage must be purchased through the leasing/rental agency.
In the U.S.A., Physical Damage coverage is provided for all University owned, rented, and leased vehicles. A $500 deductible applies to comprehensive and collision claims. Collision is defined as colliding with another object, including overturn. Comprehensive is defined as any cause of loss other than collision or overturn, including fire, vandalism, windshield break/crack, or hail. The $500 deductible is the responsibility of the department or division that owns, rents, leases or borrows the damaged vehicle.
Abroad, when a vehicle is leased or rented, Physical Damage coverage must be purchased through the rental agency.
Automobile Insurance Identification Cards
Many states require proof of financial responsibility in case of an accident. An Automobile Insurance ID Card should be placed in each vehicle driven on University business. These cards are available by contacting the Risk Management and Safety Department: firstname.lastname@example.org
Defensive Driving Training
Defensive driving courses are offered through Transportation Services. All persons driving vehicles on University business should complete a defensive driving course every three years. Training can be scheduled by calling Transportation Services at (574) 531-6467 or email: email@example.com.
Motor Vehicle Records
A motor vehicle record may be obtained for all persons driving University owned, hired or non-owned vehicles. Driver information will be provided to Transportation Services for the purpose of motor vehicle record requests.
Vehicle Usage Policies
Athletic Department Courtesy (Dealer) Car Program
The University maintains automobile bodily injury and property damage liability coverage for courtesy/dealer vehicles scheduled with the Athletic Business Office. Primary coverage is extended to all University personnel while using a courtesy/dealer vehicle with permission.
Physical Damage coverage is provided for those courtesy/dealer vehicles scheduled with the Athletic Business Office. A $500 deductible applies for comprehensive and collision claims. Collision is defined as colliding with another object, including overturn. Comprehensive is defined as any cause of loss other than collision or overturn, including fire, theft, vandalism, windshield break/crack or hail.
ATHLETIC DEPARTMENT COURTESY/DEALER VEHICLE INSURANCE COVERAGE
The following is a clarification regarding insurance issues with respect to the Athletic Department Courtesy/Dealer Vehicle Insurance Coverage:
- University owned vehicles assigned to University employee.
- Courtesy/dealer cars that are not provided insurance coverage by the car dealer and are scheduled with the Athletic Department Business Office.
- University employee assigned or provided a covered vehicle.
- The employee’s spouse.
- Any properly licensed individual authorized by the employee but only:
- in an emergency situation, or
- in a University business related situation; (i.e., a coach asks his assistant to use his courtesy/dealer car to pick up an assistant coach at the airport).
The liability portion of the University’s insurance has a zero deductible. The physical damage portion has a $500 deductible. The deductible is the responsibility of the Department or the employee based on Departmental policy. Typically, deductibles for courtesy/dealer cars are the responsibility of the employee unless damage occurs when traveling on University business.
Non-Covered Vehicles or Activities:
The University’s auto insurance will not cover the following:
- Courtesy/dealer cars not scheduled with the Athletic Business Office.
- Rental vehicles when not rented for University business (i.e., for use during vacations).
- Rental vehicles that are rented for University business and also used for non-University business before or after the business portion (i.e., following a business trip, the employee extends their stay for vacation). The rented vehicle would be covered for the business portion of the trip but not covered during vacation or non-University business use.
Any damages or claims occurring during the non-business use should be reported to the employee’s own auto insurance company. If the employee does not have their own auto insurance policy (i.e., they don’t own any other vehicle), they should take out a separate car rental agreement for the non-business portion of the trip and purchase insurance through the car rental agency. Employees that do not own a car and just use a courtesy/dealer or assigned car should discuss with their homeowners insurance agent about purchasing “named non-owner liability insurance” to provide liability coverage for use of non-owned vehicles.
Questions regarding the University’s auto insurance and car rental insurance should be directed to the Risk Management and Safety Department: firstname.lastname@example.org