Procurement Office > For Employees > Travel > Travel Insurance Coverage

Travel Insurance Coverage

Personal Automobiles

In the event of an accident, the policies governing State and RF business travel for the use of personally owned vehicles while in travel status are:

State:
According to the Office of the State Comptroller, the personal car mileage rate allowed by the IRS covers the cost of operating a vehicle, including maintenance and repairs, tires, gasoline, oil, insurance, license and registration fees and depreciation or leased payments. In the event of an accident while traveling on State business the underlying liability coverage, the insurance carried by the owner on the personally owned vehicle becomes primary for the payment of any claims. The University does not maintain insurance or reimbursement funding for State or third party vehicular accidents.
Research:
In the event of an accident while traveling on RF business the underlying liability coverage, the insurance carried by the owner on the personally owned vehicle becomes primary for the payment of any claims. After all valid automobile insurance coverage has been exhausted; the Research Foundation's non-owned automobile insurance policy will cover the amount of any valid claim that exceeds the underlying policies.