Can a personal vehicle be used to transport students and employees?
Yes, but when a personal vehicle is used to transport students or employees, the insurance on that vehicle is by law the primary coverage in the event of an accident, and the University’s insurance becomes excess coverage in case of a loss. If you are an instructor or staff member and use your own vehicle for University purposes (e.g. transporting students on a field trip), you are only covered by the University’s automobile insurance policy excess of your own policy limit. In case of an accident, the policy covering the specific vehicle is primary and would respond first until this coverage is exhausted. Faculty and staff are encouraged to inform their personal automobile insurance company if using their own vehicle for business purposes.
