Frequently Asked Questions
Personal Vehicles used for
University Business
1. If I use my own vehicle
for work related errands, travel, or trips, will the University of Colorado's insurance
cover me for any losses?
The university’s
automobile insurance will not cover your personal vehicle for damage or personal
property loss, or for injuries sustained to passengers in your personal vehicle during work related use. Your
own automobile insurance is primary and will cover your vehicle for this kind of use. A good rule of thumb: “liability follows the
vehicle.” Note that personal insurance may deny coverage for work related use unless the company
has been advised by the employee that the vehicle is used for business use.
The purpose of the mileage
reimbursement to an employee for using their own personal vehicle, for business purposes,
is to provide reimbursement for all vehicle expenses including fuel, wear and tear on the
vehicle, and automobile insurance expenses.
2. If my personal vehicle is
damaged because of an unsafe condition on university propery, will my vehicle be covered
by CU's automobile insurance?
If your vehicle is damaged by a CU owned and operated vehicle and an
investigation determines that the CU driver is at fault, your vehicle will be covered by
the university’s automobile insurance. If
your vehicle is damaged because of an unsafe condition, the claim will be investigated and
the Colorado Governmental Immunity Act (CRS 10-24-101 et. Seq.) will be applied to
determine compensability. The university’s
insurance carrier makes all decisions on coverage.
3.
If my car is stolen or items from my car are stolen while in a CU parking lot, will
the university pay to replace it or items stolen from it?
No.
The university is not responsible for automobile losses incurred in the parking
lots. Your personal auto or homeowners insurance will respond to such a claim.
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