The self-insured 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.
The self-insured 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.
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:
Corporate Claims Management, Inc (CCMI)
770 Spirit 40 Park
Chesterfield, MO 63005
Phone: 800-449-2264 or 636.519.0330
Fax: 636.519.7572
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 on the original cost new of the vehicle being insured. Example: A car is purchased for $1500 and the original cost of the vehicle was $14,000, the premium would based on the original cost of $14,000.
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 48 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:
Corporate Claims Management, Inc (CCMI)
770 Spirit 40 Park
Chesterfield, MO 63005
Phone: 800-449-2264 or 636.519.0330
Fax: 636.519.7572
An individual renting a vehicle contractually assumes liability for any loss or damage to that vehicle regardless of fault. Although car rental companies offer collision damage liability waiver coverage (CD/LDW) for a daily fee, this coverage is automatically provided either by the university's self-insured program or by the University-sponsored corporate charge card when used to rent the vehicle. We recommend that you always use your University-sponsored Corporate Card when renting a car as it provides physical damage coverage at no cost to the University.
The University policy requires that this coverage (CD/LDW) be declined, except under the following circumstances:
It is recommended that frequent travelers use their University sponsored corporate charge card when renting vehicles.
Deductible: There is a $500 deductible for any vehicle liability loss. There is no deductible for physical damage losses to the rental vehicle.
Reporting Claims: In the event of an accident, the rental company should be advised to submit proof of loss and invoices of damages to the UM Assistant Director of Risk and Insurance Management. If a damage deposit is required, employees should use their University-sponsored corporate charge card and then request reimbursement from the UM Office of Risk and Insurance Management.
All accidents involving rented vehicles are to be reported in accordance with procedures established for reporting accidents involving University-owned vehicles. In addition, the renter must submit copies of the rental agreement, the charge card receipt, police report (if applicable) and the rental company accident report. If the vehicles was rented using a University-sponsored corporate charge card, a front and back copy of the renter's driver's license is also required.
For more information regarding the program and the coverage provided, please contact the UM Assistant Director of Risk and Insurance Management.