15.3 Auto Insurance

(Amended 2/06; 2/11)
  1. Primary liability and physical damage for University-owned vehicles.
    1. For liability on University-owned motor vehicles, The University of Iowa participates with other Board of Regents institutions in the Iowa Regents Motor Vehicle Self-Insurance Program. The program responds to liability claims for property damage or bodily injury arising from an accident involving University vehicles where the University driver is more than 50 percent negligent. Claims are processed pursuant to the Iowa Tort Claims Act, Chapter 669 of the Iowa Code.
    2. Physical damage coverage. The Regents Motor Vehicle Self-Insurance Program includes coverage for comprehensive and collision damage to University vehicles, subject to a $500 deductible per loss.
  2. Excess liability and physical damage for non-University-owned, borrowed, personal vehicles. For non-University-owned (including rentals, personal, or borrowed) vehicles, the Regents Motor Vehicle Self-Insurance Program will apply only as an excess liability coverage. The University's travel reimbursement program includes a provision for insurance expenses in the mileage rate calculation for personal vehicle use. In an accident, the vehicle owner must look to his or her own automobile insurance coverage as the primary insurance.

    The University's excess liability coverage will apply when the driver was an authorized University employee on University business at the time of the loss and the vehicle owner's policy has been exhausted. The $500 deductible will be assessed to the department for physical damage claims.

    The University will not reimburse an employee, other private owner, or his or her insurer for any deductible or liability claim paid by his or her auto insurance policy, or for any damage to the vehicle.

    In the event you are involved in an accident in a non-University-owned, private, or borrowed vehicle while you are conducting University business, report the accident immediately to the Department of Risk Management, Insurance, and Loss Prevention at https://uiowa.edu/riskmanagement/.

(See also V- 22.1f(6)(g) Vehicle Rental.)