Vehicle Insurance

Insurance Coverage

Automobile Liability
The UT System automobile insurance policy provides liability coverage for those automobiles owned and operated by the University. The policy currently carries a $2,500 deductible per occurrence. Policy limits are: Bodily Injury - $250,000 per person; $500,000 per occurrence, and Property Damage - $100,000.

Automobile Physical Damage 
The UT System automobile insurance policy provides physical damage coverage for those automobiles leased by the University or those owned and operated by the university, which have specifically requested physical damage. Policy deductibles: $100.00 deductible for Comprehensive and $500.00 deductible for Collision.   

Hired/Non-owned
The UT System automobile insurance policy provides liability coverage (secondary coverage to an individual personal policy) for employees using their personal vehicle for business use. This policy also provides liability, comprehensive and collision coverage on short-term rental vehicles including those rented by employees outside the System rental car agreement in force. * Notice must be given prior to rental of vehicles.

Mexico Coverage
The UT System automobile insurance policy covers: $75,000 bodily injury per person and $150, 000 per occurrence; $100,000 property damage. Collision and theft-deductible of 2% of value ($100 minimum) for collision and a deductible of 5% of value ($200 minimum) for theft; medical expenses-$2,000 per person and $10,000 per occurrence.

Hired/Non-owned (medical residents only)
Provides liability limits of $1,000,000. This is liability coverage (secondary coverage to an individual personal policy) for residents using their personal vehicle for business use, but does not cover owned vehicles. This policy also provides liability coverage on short-term rental vehicles. Will cover auto hit by rental car and the rental car.

Mobile Diagnostic Equipment
This policy covers the physical damage to the scheduled vehicles and any installed equipment. Each item of equipment has to be added individually and specifically described. The deductible are $5,000 per occurrence; except $25,000 on higher valued vehicles. The rate is $1.48 per $100 value.

Equipment Floater Policy
This policy provides coverage for equipment/property owned by UT-Houston or loaned to UT-Houston while in the care, custody and control of an UT-Houston representative for UT-Houston business. Each item of equipment has to be added individually and specifically described. Coverage in certain high-risk countries is excluded. Amount of coverage is based on replacement value and $1,500.00 deductible applies. Exclusions include: wear and tear, fraudulent acts, mysterious disappearance, war, nuclear reaction, and government action. In water or underground equipment is not covered.

Fine Arts Policy
This policy covers owned and loaned fine art at a limit of $500,000 for UTHSC-Houston scheduled locations and $250,000 at any other location/in transit   i.e.: exhibitions). There is no coverage provided for loss or damage to outdoor sculptures resulting from vandalism or malicious mischief whether owned or borrowed. There is a deductible of $500 that applies to owned art and a $5,000 deductible for outdoor sculptures.