Types of vehicle insurance

UC's self-insurance program offers departments several by-request liability and physical damage insurance programs for UCSD-owned vehicles. Some vehicle insurance is mandatory; other programs are optional when additional coverage is prudent.

Be aware of these facts when determining insurance coverage for your department:

• Rental: Rental vehicle insurance requires use of a current UC contract number with the proper rental agency. Read Rental Car Insurance Coverage for complete details.

• Personal: Personnel vehicles used for university business are not covered for damage or loss by university insurance programs. Read Personal Vehicle Usage for UCSD Business for more detailed information.

• Department-owned or UC leased vehicles: Your department must obtain coverage for department-owned or UC leased vehicles. Fleet Services vehicles are routinely insured by Fleet Services. Read about mandatory and optional vehicle insurance programs below.

Mandatory UC vehicle insurance

• Vehicle liability insurance: The premium is a yearly charge calculated by combining UC experience (the base premium) and department experience (any surcharge). Base premiums for 2007-2008 were:
  • Passenger vehicles: $206.77
  • Trucks: $385.57
  • Motorscooters: $53.61
  • Motorcycles: $107.23
  • Electric vehicles: $45.02
• Note: As of July 1, 1998, a deductible of $500 applies per accident, plus 20% of claim costs up to $25,000.

Optional UC vehicle insurance

• Auto physical damage: The premium is a yearly charge and is calculated by UC experience. Premiums for 2007-2008 were:
  • $85 with $500 deductible per occurrence
• Excess physical damage: This is for vehicles valued at more than $25,000. The premium is a yearly charge calculated by UC experience. Premiums for 2007-2008 were:
  • 39 cents per $100 of value over $25,000
• Note: Physical damage insurance on a totaled vehicle pays only the current Blue Book value.

Change or delete vehicle insurance programs

Use the UC Vehicle Insurance Program change form (PDF) (Word file) to apply for vehicle insurance, and change or delete your existing coverage.

Accident reporting

If you're involved in an accident with any of these vehicles, report the incident to EH&S Risk Management.

Training

Learn more by attending Risk Management training classes.

Questions? Contact EH&S Risk Management, (858) 534-2454.

Notice: When a loss occurs, notify EH&S Risk Management, (858) 534-3820, immediately to promptly initiate the insurance investigation and claim process. Use pager number (858) 583-3302 for emergencies only, or call the university's third-party administrator directly at 1-800-416-4029 to report a claim. Take a picture if a camera is available.