Location: Bowdoin / Facilities / Transportation / Emergency Procedures / Insurance FAQ

Insurance FAQs

How am I covered when driving College-owned vehicles?

The College has liability insurance on all autos, whether they are owned by the College, rented, leased, private vehicles driven by their owners on College business, or borrowed vehicles. Owned, leased, rented and borrowed vehicles are covered for physical damages as well, subject to a $1,000 deductible. The College has $1,000,000 in coverage for auto liability. If you are driving a college-owned vehicle with the permission of the College, then you are an insured driver under the College's policy.

What if I am driving a rented passenger vehicle on College business?

Remember: All drivers must be eligible to operate a College motor vehicle as outlined in this policy. If you are a student or a faculty or staff member under the age of 25 you must have written authorization from an authorized person before you rent or drive a rented vehicle on College business.

The College's automobile insurance policy provides Excess Liability Insurance for College-rented vehicles and Primary Insurance for physical damage to the rental vehicle. It is not necessary for the department or individual to purchase the rental company's deductible insurance unless the rental takes place outside the U.S. (see below).

What if I am driving a rental car on College business?

The College's automobile insurance policy provides Excess Liability Insurance for College-rented vehicles and Primary Insurance for physical damage to the rental vehicle. It is not necessary for the department or individual to purchase the rental company's deductible insurance unless the rental takes place outside the U.S. (see below).  It is important to inspect any rented vehicle before driving it and to make sure any damage to the vehicle is noted on the rental form. Otherwise you, or the College, may have to pay for damages caused by a previous driver.
If you rent a vehicle from Enterprise Rent-A-Car, the College has negotiated primary physical damage insurance covering the first $1,000 of damage. Therefore, the department will not be charged the deductible amount for accidents/damage to Enterprise rental vehicles.

What if I am driving a rental car in another country?

For any rentals outside the United States, you should accept the applicable liability and physical damage insurance provided by the rental company. It is important to inspect any rented vehicle before driving it and to make sure any damage to the vehicle is noted on the rental form. Otherwise you, or the College, may have to pay for damages caused by a previous driver.

Do I have coverage from the College if I drive my own car?

If you drive your own car on College business, your own insurance policy serves as a "primary" policy for third party liability and physical damage to your vehicle. This means that if a claim arising out of an accident exceeds your policy limits, then the College's policy will cover the accident in excess of your policy. For example, if you carry $20,000/$40,000 liability insurance, and injure a pedestrian severely, resulting in over $100,000 of medical bills, your policy would pay the first $20,000 of the claim, and the College policy would respond for the balance of the claim. The College's Uninsured/Underinsured coverage does not extend to non-owned vehicles. We recommend that you consult with your insurance agent or broker for this type of coverage. Also, if you regularly use your vehicle for College business it would be prudent to notify your insurance agent immediately.

The College will not pay for comprehensive/collision damage to personal vehicles. If your vehicle is damaged as a result of an accident, whether it is your fault or not, your comprehensive/collision coverage would apply. You are responsible for any deductible amounts under your policy. If you do not carry any collision insurance, then the entire amount of the damage is your responsibility.

Who pays any medical bills if I am injured on College business?

All medical bills should be submitted to your health insurer. If you are working as an employee for the College at the time of the accident, contact Human Resources as you may qualify for a workers' compensation claim.