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Travel Services

Car Rental & Personal Auto Liability Guidance

UW Liability Coverage
Enterprise/National State Contract
Other Car Rental Agency
Personally Owned Vehicle (Mileage) 

UW Liability Coverage

Pursuant to RCW 28b.20.253 and .255, the University will provide legal defense and indemnification for employees acting within the course and scope of their duties and volunteer workers and students while acting at the direction or request of the University. Coverage for injuries to UW employees is provided through Labor and Industries (workers compensation). Injuries to Non-UW individuals and students should be submitted to their personal health insurance companies. 

See Administrative Policy Statements sections 10.8, Risk Management and Insurance Programs section 14.01.2, and Fleet Services Insurance Coverage.

Enterprise/National State Contract

Payment Source: UW Individual Travel Card

Coverage for Physical Damage to Rental Vehicle: 
  • The state contract comes with Collision Damage Waiver (CDW) & Loss Damage Waiver (LDW). Decline these insurances if reqested as an addon as they come with contract. All other liability coverage/addons are not reimbursable. 
  • Click here for more information about UW Individual Travel Card (Visa) coverage 
Coverage for Property Damage & Bodily Injury to Other Party: 
Accident procedure: 
  • Follow Enterprise/National accident guidelines 
  • Call local police and complete an accident report
  • Contact UW Risk Services for liability exposures (property damage or bodily injury to other party or parties) exceeding rental / personal auto insurance

Payment Source: Other Source of Payment

Coverage for Physical Damage to Rental Vehicle: 
  • The state contract comes with Collision Damage Waiver (CDW) & Loss Damage Waiver (LDW). Traveler should decline these at the counter as the contract already has them. Accept liability insurance for all foreign locations. All other liability coverage/addons are not reimbursable. 
Coverage for Property Damage & Bodily Injury to Other Party: 
Accident procedure: 
  • Follow Enterprise/National accident guidelines 
  • Call local police and complete an accident report
  • Contact UW Risk Services for liability exposures (property damage or bodily injury to other party or parties) exceeding rental / personal auto insurance

Other Car Rental Agency

Payment Source: UW Individual Travel Card

Coverage for Physical Damage to Rental Vehicle: 
  • Click here for more information about UW Individual Travel Card (Visa) coverage 
Coverage for Property Damage & Bodily Injury to Other Party: 
Accident procedure: 
  • Follow car rental agency accident guidelines 
  • Call local police and complete an accident report
  • File a claim with UW Travel Charge Card.
  • Contact UW Risk Services for liability exposures (property damage or bodily injury to other party or parties) exceeding rental / personal auto insurance

Payment Source: Other Source of Payment

Coverage for Physical Damage to Rental Vehicle: 
  • Accept Collision Damage Waiver (CDW) & Loss Damage Waiver (LDW). Accept liability insurance for all foreign locations. All other liability coverage/addons are not reimbursable. 
Coverage for Property Damage & Bodily Injury to Other Party: 
Accident procedure: 
  • Follow car rental agency accident guidelines 
  • Call local police and complete an accident report
  • Contact UW Risk Services for liability exposures (property damage or bodily injury to other party or parties) exceeding rental / personal auto insurance

Personally Owned Vehicle (Mileage) 

Coverage for Physical Damage to Personal Vehicle: 
  • Personal auto insurance only - no UW coverage
Coverage for Property Damage & Bodily Injury to Other Party: 
  • UW's coverage applies after/is excess of the driver's personal insurance
Accident procedure: 
  • Call personal auto insurer and follow their procedures
  • Call local police and complete an accident report
  • Contact UW Risk Services for liability exposures (property damage or bodily injury to other party or parties) exceeding rental / personal auto insurance