Auto Insurance
Automobile liability insurance follows the ownership of the vehicle. A vehicle operator is covered under the owner’s policy if they have permission from the owner to use the vehicle.
| Vehicle Operator | Vehicle Owner | |||
|---|---|---|---|---|
| The Institution (owned or long term leased) |
The Vehicle Operator (an Employee, Volunteer, or Student) |
A Borrowed Car (i.e. from another person / not owned by institution) |
A Car Rental Firm | |
| An Employee (includes faculty, staff, and work study students) |
The institution’s policy provides liability coverage to the institution and the employee. | The employee’s policy provides liability coverage to the employee and the institution. The institution’s policy will provide excess coverage if driving on institution business. | The other person’s policy provides liability coverage to the employee and the institution. The institution’s policy will provide excess coverage if driving on institution business. | The car rental firm provides liability coverage1 to the employee. The institution’s policy will provide primary and / or excess coverage to both the institution and the employee. |
| A Volunteer (includes students while driving on institution business) |
The institution’s policy provides liability coverage to the institution and the volunteer. | The volunteer’s policy provides liability coverage to the volunteer and the institution. The institution’s policy will provide excess coverage if driving on institution business. | The other person’s policy provides liability coverage to the volunteer and the institution. The institution’s policy will provide excess coverage if driving on institution business. | The car rental firm provides liability coverage1 to the volunteer. The institution’s policy will provide primary and / or excess coverage to both the institution and the volunteer. |
| A Student (while driving on personal business) |
The institution’s policy provides liability coverage to the institution and the student. | The student’s policy provides liability coverage to the student. | The other person’s policy provides liability coverage to the student. | The car rental firm provides liability coverage1 to the student. |
Automobile Physical Damage coverage also follows the ownership of the vehicle. In the case of rental vehicles, if the use of the vehicle is for institution business, the institution’s policy provides collision coverage to the rental vehicle. Therefore, the collision damage coverage offered by the rental firm may be declined.
1 In some states, car rental firms transfer the liability to the renter of the vehicle. If an individual is renting for institution business, the institution’s policy provides liability coverage. Therefore, the liability coverage offered by the rental firm may be declined.