Licensed Vehicles include all vehicles that are licensed for city streets and highway driving that are owned, rented or leased by the University for official business purposes. An unlicensed vehicle is not designed for highway use and generally used on university grounds. Examples of these vehicles are golf carts, tractors, four wheelers, "Gators," also known as all-terrain vehicles, etc. used for landscaping or maintenance. 

Licensed vehicles are covered by the university's self-funded Automobile Liability Program, which provides coverage for bodily injury or property damage liability arising out of the operation of use of university-owned or operated vehicles. The liability program covers, less the deductible, costs for bodily injury or physical damage caused to someone else's vehicle or property. This does not include costs to repair physical damage to your vehicle. If a trailer is attached and or being pulled by a vehicle any liability damage follows the vehicle. General Liability coverage would apply to damage caused by an unattached trailer. 

All University officers, agents, employees, authorized volunteers and authorized students are covered under this program. 

If you drive a University vehicle, download your own to print and take with you (print with the double-sided option). 

Physical damage, better known as Comp/Collision coverage, is an optional coverage. 

Comprehensive and Collision (Physical Damage)

The Comprehensive and Collision Program is a voluntary program that departments can elect to participate in. This program provides coverage for damage resulting from comprehensive (fire, wind, theft, etc.) and collision exposures on vehicles owned or leased by the University. Annual premium assessments are based on a sliding scale based on vehicle year and purchase price. 

See .

Reporting Claims

All vehicle accidents involving University vehicles must be reported immediately to the appropriate campus contacts by using the . The University Police Department (if on campus) and/or local police department are to be notified immediately after the accident occurs so they may respond appropriately. 

Accidents involving unoccupied University vehicles (e.g. parked vehicles) are to be reported as damage to University property using the . This report must be submitted within 24 hours after the accident to the appropriate campus contact. 

The campus contact will forward the report to the following within 72 hours after the accident:

Brentwood Services Administrators Inc. 
P.O. Box 4605
Chesterfield, MO 63006-4605
Phone (800)524-0604 or (615)263-1300
Fax (615)724-9446

Deductible

A $500 deductible is assessed per occurrence for comprehensive and collision losses and will be charged to the University department whose employee caused the loss. 

Rental Vehicles Collision Damage Waiver

An individual renting a vehicle contractually assumes liability for any loss or damage to that vehicle regardless of fault. Collision and liability coverage is automatically provided either by the University's self-funded program, by the University-sponsored corporate charge card or procurement card or Enterprise/National contract when used to rent the vehicle in the U.S. and Canada. 

We recommend that you always use your University-sponsored Corporate Card or procurement card when renting a car as it may provide an additional layer of physical damage coverage for the rental car at no cost to the University. The card holder should be the renter; other faculty/staff should be listed as additional drivers. 

The car rental companies offer collision damage waiver, also known as optional vehicle protection or loss damage waiver (CDW/LDW) and liability or supplemental liability coverage (SLP/SLI), along with other coverage types. You should decline these coverages within the U.S. and Canada except under the noted circumstances.

The University policy requires that CDW/LDW coverage be purchased under the following circumstances: 

  • Vehicles rented in any country other than the United States or Canada.
  • The following kinds of vehicles rented for use regardless of the method of payment used:
    • Passenger vans with seating capacities greater than 8.
    • Trucks or other similar vehicles rented for the primary purpose of transporting any type of cargo or property. 
    • Sports or utility vehicles to be used off of maintained roads.
  • Rentals of vehicles for use within the United States and Canada by authorized foreign national guests of the University. 

Reporting Claims

All accidents involving rented vehicles are to be reported in accordance with procedures established for reporting accidents involving University-owned vehicles. In the event of an accident with rentals from Enterprise/National agencies, the renter should complete the report form with the renting agency and complete a . The UM-5 should be submitted to your campus claims coordinator along with a copy of the rental agency report. 

If you rent with another rental agency, they should be advised to submit proof of loss and invoices of damages to the campus claims coordinator. If a damage deposit is required, employees should use their University-sponsored corporate charge card and then request reimbursement via the claim process. 

if the vehicles were rented using a University-sponsored corporate charge care or procurement card you must contact 1-800-MC-ASSIST (1-800-622-7747) within 30 days for physical damage coverage of the rental car. Please review your credit card benefits brochure for filing the claim. 

When renting a vehicle with a purchasing card at no-Enterprise/National agencies, MasterCard will be the primary physical damage insurance provider. 

Deductible

There is a $500 deductible for any vehicle liability loss or $500 physical damage loss to the rental vehicle paid by the University. 

Personal Vehicles

There are two types of insurance that may apply in the event you are involved in an accident using your personal vehicle on University business.

  • Liability: The University provides only excess liability coverage on personal vehicles used on University business. In the event you are considered liable for such an accident, your personal automobile insurance would pay first; the University's coverage would become involved only when your policy limits are exhausted. 
  • Workers' Compensation: Any medical costs or lost time you might incur while on business would be subject to recovery provided through the State of ÑÇÖÞÓ°Ôº's worker's compensation program.