UM System

Auto Insurance

 

Automobile Liability

The self-funded Automobile Liability Program provides coverage for bodily injury or property damage liability arising out of the operation of use of university-owned or operated vehicles.

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

If you drive a university vehicle, download your own innovative wallet card to print and take with you (print with the double sided option).

  • Deductible: A $500 deductible will be charged to the university department whose employee caused the loss.
  • Reporting Claims: All vehicle accidents involving university vehicles must be reported immediately to the appropriate campus contacts by using the Vehicle Accident Report, Form UM-5. 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.
    The campus contact will forward the report to the following within 72 hours after the accident:

    • Brentwood Services Administrators Inc.
      PO Box 4605
      Chesterfield MO 63006-4605
      Phone 800-524-0604 or 615-263-1300
      Fax 615-724-9446

Comprehensive and Collision (Physical Damage)

The Comprehensive and Collision Program is a voluntary program that departments can elect to participate. 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 a sliding scale based on vehicle year and purchase price. Vehicle Insurance Coverage Enrollment, Form UM-6

  • Deductible: $250 per occurrence for comprehensive losses; $500 per occurrence for collision losses
  • Reporting Claims: All vehicle accidents involving occupied University vehicles must be reported immediately to the appropriate campus contact using the Vehicle Accident Report, Form UM-5. The University Police Department (if on campus) and/or the local police department are to be notified immediately after the accident occurs so they may respond appropriately. Accidents involving unoccupied university vehicles (for example, parked vehicles) are to be reported as damage to university property using the Property Damage Report, Form 69. 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.
      PO Box 4605
      Chesterfield MO 63006-4605
      Phone 800-524-0604 or 615-263-1300
      Fax 615-724-9446
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. 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 circumstances notes below. 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 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 guest of the University

Deductible: There is a $500 deductible for any vehicle liability loss or $500/$250 physical damage loss to the rental vehicle paid by 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 form UM 5.  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 was rented using a University-sponsored corporate charge card 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 non Enterprise/National agencies, MasterCard will be the primary physical damage insurance provider.
If you need additional information on these policies, or need to purchase insurance, please contact us. We will be happy to discuss the issue.

Protocols

Reviewed 2020-07-24

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