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

• 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 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.

• 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.

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

Learn more by attending Risk Management training classes:

• Risk Management – Cars and Property: Your Personal Risk
• Do You Know What Might Bite You? Your Role in Managing Departmental Exposures
• Request custom classes specific to your needs: contact EH&S Risk Management, (858) 534-2454.

If you are a UCSD employee and have questions, contact EH&S Risk Management, (858) 534-2454.