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Car Rental Insurance

 
 

 

 

 

 

 

Car Rental Insurance

Procedures

Texas Christian University

 

Only TCU employees over 25 years of age, and who have submitted their information for a Motor Vehicle Record (MVR) check to the TCU Safety department (x7220), are eligible to rent a vehicle for TCU business.

The university's automobile insurance carrier, Liberty Mutual, provides liability and physical damage coverage on rental cars used on university business and rented in TCU's name. In order to clarify the varying coverage listed on most car rental agreements, the following options from Budget Rent-A-Car are given:

1. Loss Damage Waiver: Deny for all car rentals for university business. Accept for all truck rentals for university business.

2. Collision Damage Waiver: Deny for all car rentals for university business. Accept for all truck rentals for university business.

3. Personal Accident Insurance: Accept only when persons other than TCU employees will in the vehicle.

4. Personal Effects Coverage - Personal Accident Insurance: Optional coverage TCU coverage applies only to TCU owned property or equipment. Most homeowner policies provide some coverage for personal belongings. Please review your coverage. If you are transporting very expensive TCU owned equipment, accept this coverage. Accept for all truck rentals to cover transported TCU equipment.

5. Supplemental Liability: Deny for all car rentals for university business. Accept for all truck rentals for university business.

6. Driving in Mexico: Try to avoid driving a rental car or your personal car across the border into Mexico.  If you must drive a rental vehicle or personal vehicle for TCU business in Mexico, separate auto coverage must be purchased from a licensed Mexican insurance company at the border before driving into Mexico.  Mexico considers an automobile accident a criminal offense as well as a civil matter.

7. Driving in Canada:  TCU's automobile policy territory coverage includes Canada.   However, you should purchase local Canadian coverage if you are staying in Canada for an extended period of time.

NOTE:

Any vehicle rental agreement for TCU business must be made in the University's name. Be certain to add "For TCU" after your signature on the rental agreement.

Make certain to inspect your rental vehicle for damage prior to leaving the rental lot at the time of pick up. Make certain a written notation of the damage is made on the rental agreement by the rental agent.

Inspect your rental vehicle at the time of return to the rental company. Make certain a written notation of the damage is made on the rental agreement by the rental agent.

Any damage found should be reported immediately to the TCU Risk Management department.

TCU policy prohibits the rental of 15-passenger size vans.

If you plan to combine vacation time with university business, check with your personal automobile insurance carrier for selection of appropriate coverage for the vacation portion of your trip.

Should you have any questions concerning these issues, feel free to contact the TCU Risk Management department at 817-257-7778 or 817-257-6363.

For a printable copy of this information go to "Downloadable Forms" on the Risk Management  homepage or follow this link, "Car Rental Insurance Information."

 

Defensive driving courses are available for employees ... 10% discount on insurance premiums ... Contact Jonathan Brown (x7220) for more information.

All TCU employees who operate University vehicles are encouraged to take the Defensive Driving course offered by the Safety Department.  The course is the official six hour course curriculum by the National Safety Council.  Not only will this course increase your awareness of defensive driving skills, each participant will receive a State certification card for a 10% discount on your personal auto insurance!

 

updated 6/07

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