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CMU Auto Insurance - General Information

Unlike the typical Auto insurance policy, CMU has 2 separate Auto policies: Auto Liability (AL) and Auto Physical Damage (APHD) and both are self-insured through M.U.S.I.C. (Michigan Universities Self Insured Corporation).

AL covers bodily injury, damage to "property of others" or to another person's auto, etc.

APHD only covers physical damage to a CMU title-owned or long term leased vehicle.

CMU owned, leased or rented vehicles used for official CMU business have AL primary coverage (no deductible) through CMU.

Personal vehicles used for official CMU business have AL coverage through CMU, however the coverage is secondary to the individual's own insurance policy. This means if you are driving your own vehicle on university business and you are involved in an accident, your personal auto insurance policy must first pay for any auto liability related expenses before CMU's AL policy becomes involved. No APHD insurance coverage is provided to personal vehicles under CMU's APHD policy.

University owned and long-term leased (> 60 consecutive days) vehicles have APHD coverage through CMU's policy. CMU's policy carries a $5,000 per occurrence deductible. Departments are responsible for an internal per occurrence deductible. Any damage exceeding the policy per occurrence deductible is paid by CMU's insurance.

CMU does not carry APHD insurance coverage for personal vehicles or vehicles rented or leased short-term (60 days or less).

15 Passenger Vans are generally excluded from coverage under CMU's auto policies.

Auto Rental Insurance

University Policy states that any vehicle rented or short-term leased for business use must have Auto Physical Damage insurance. Your options are:

• MasterCard Corporate Purchasing Card (CMU Business MasterCard)
• Purchase insurance through the Rental or Leasing Agency
• Personal Credit Card.

In the event a department rents or leases a vehicle and does not arrange for APHD insurance, AND the vehicle is damaged, the Department is responsible to pay for the damages out of their departmental funds.

MasterCard MasterRental Insurance Coverage Highlights:

• Available to the cardholder and named additional drivers
• No charge for insurance
• Primary coverage with (no deductible)
• Can cover vehicles rented or leased for up to 31 consecutive days
• Insures up to minivans designed to accommodate 9 passengers or fewer.

See http://www.mastercardbusiness.com/assets/brochure/2004_Corporate_GTB.pdf for more details or contact the MasterCard Assistance Center at 1-800-MC-ASSIST or 1-800-622-7747 for further assistance.

Rental/Leasing Agency or Personal Credit Card Insurance Policies:

Questions about rental or leasing agency insurance policies should be referred directly to agency representatives. Employees using their own personal credit cards are advised to contact their credit card office regarding available rental/leasing auto insurance.

VIEW PRINTABLE VERSION.