Revised on
08/21/19 10:47am

Auto Insurance

Contact information

University Vehicles

The University's Automobile Program provides automobile liability coverage for University personnel in the course and scope of their employment and Automobile Physical Damage for vehicles owned, leased and operated by the University. 

All vehicle accidents occurring while on University business must be reported immediately.

 

 

 

University Owned Vehicles

The University's insurance program automatically covers all department-owned or -leased vehicles registered with Fleet Services. In the event of a covered loss, the campus deductible for damage to a university vehicle is $1,000. 

Privately Owned Vehicles (Personal Vehicles)

If you use your personal vehicle for University business, your personal insurance provides the primary coverage in case of accident or loss. University insurance programs do not provide coverage for damage or loss to personal vehicles used for business. Therefore, employees are responsible for ensuring that their vehicles are sufficiently insured.

Per policy BFB-G-28 Travel Regulations, the minimum required liability insurance coverage for private vehicles used on University business is: 
    $50,000 for personal injury to, or death of, one person;
    $100,000 for injury to, or death of, two or more persons in one accident;
    and $50,000 for property damage.

In the case of personal vehicle damage, your campus department has the option to reimburse up to $500 for repairing your vehicle or for your personal auto insurance deductible, whichever is less. If approved, that expense would be the responsiblity of your department. 

Rental Vehicles

The University of California (UC) has a systemwide car rental program with Enterprise, Hertz, National, Dollar and Thrifty. The University’s contracts offer travelers the most economical pricing and include comprehensive insurance coverage for car rentals within the continental United States. University-negotiated rates for rentals include full coverage for Collision Damage Waiver (CDW) and Loss Damage Waiver (LDW); therefore, the purchase of additional insurance is not required. 

Whenever possible, reserve rentals for University related travel through the Aggie Travel portal or the Connexxus portal.

 
Purchase Insurance When...

Purchase coverage for (1) damage to the rental vehicle itself and (2) damage to people and other property:

  • If none of the approved agencies have an outlet at your pick-up location and therefore you must rent from an agency that UC does not have an agreement with. 

  • If renting in foreign countries.

The insurance is reimburseable as a travel expense.

Financial Liability will be Transferred to the University if...

Violations to the terms and conditions of a rental car agreement will forfeit any insurance coverage (CDW and LDW). Thus, financial responsibility for damages (to the rental car or to third parties) arising out of an accident would be transferred from the rental car company to the University (including the campus department of the renter). Typical actions that invalidate the CDW and LDW include (but may not be restricted to):

  • Intentional damage to the rental vehicle

  • Negligence in the care or use of the vehicle (e.g., leaving the vehicle unattended with keys in the ignition, putting the wrong type of fuel in the car)

  • Driving while intoxicated or under the influence

  • Driving in a reckless, wanton or dangerous manner

  • Driving on unpaved roads (if damage or loss is a direct reslut of the road/driving conditions)

For tips on how to reduce this risk, click here.

Vehicles on Loan or Leased

Loaned or leased vehicles that the University has agreed to insure under written contract prior to a loss, or for which the University lis legally liable, are covered as described in BFB BUS-81.

Reporting Vehicle Accidents

All vehicle accidents occurring while on University business must be reported immediately. 

To report an accident involving a UC Davis fleet vehicle or a rental vehicle arranged through Fleet Services, complete a Vehicle Accident form and email it to Fleet Services at fleetservices@ucdavis.edu.  To report all other accidents involving the use of any other vehicle while on University business, complete a Vehicle Accident Form and email it to Risk Management Services at rms@ucdavis.edu

If an employee is injured, report it to Workers’ Compensation