UW–Madison Risk Management recommends use of fleet or contracted rental vehicles for business purposes. However, authorized drivers may drive their personally-owned vehicles on University business. (Information on how to become authorized is available on the Driver Authorization page.)
Damages to the employee’s personal vehicle are covered by the employee’s own auto insurance, and the employee is responsible for the insurance deductible. Under no circumstances will the State’s property program pay for the employee’s vehicle repairs.
In the event of a loss, the authorized driver’s personal auto liability insurance will provide the primary insurance coverage for the loss. The State will only provide excess liability coverage to authorized drivers while using their personally-owned vehicles on University business.
We recommend all authorized drivers who are using their personally owned vehicle carry personal auto liability insurance with limits of at least $100,000/$300,000/$50,000. Employees should consult their insurance carrier to confirm coverage prior to using a personal vehicle for University business.