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Car Insurance Coverage

The Enterprise corporate account/customer number 45WA033 coverage applies only to rentals in the continental U.S., Alaska, Hawaii and includes:

Collision/Loss Damage Waiver (CDW/LDW) insurance provides coverage for the rental vehicle if damaged or stolen.
Supplemental Liability Insurance (SLI) of $250,000 per person/maximum $500,000 per accident/$100,000 in property damage.

University travelers should try to rent from Enterprise under the State of Washington contract. This contract provides coverage if the rental vehicle is damaged and liability coverage. This coverage applies regardless of the method of payment for the rental vehicle. Damage exceeding these limits are covered by the University of Washington's liability program which provides coverage for property damage or bodily injury to other party or parties only excluding damage to the rental vehicle.

The following table summarizes auto insurance coverage based on vehicle and payment source.

Vehicle Source	Payment Source for Rental Vehicle	Coverage for Physical Damage to Rental Vehicle	Coverage for Property Damage to Other Party	Coverage for Bodily Injury to Other Party	What to do in an Accident
Motor Pool	Department budget	Included in cost of rental rate.	*Primary and Excess - University liability program	*Primary and Excess - University liability program	Notify UW campus police and complete required forms.
Rental arranged by Motor Pool with other car rental agencies.	Department budget	Provided under contract with rental agency.	Primary - rental agency *Excess - University liability program	Primary - Rental Agency Excess - University liability program	Notify UW campus police and complete required forms.
Enterprise (rental not arranged by Motor Pool and made under the State of Washington contract #45WA033	UW Travel Charge Card	Enterprise - decline the collision/loss damage insurance. CDW/LDW is reimbursable if you accidentally accepted this type of insurance. In the future, decline the CDW/LDW because it is included in the state contract. Accepting any other type of insurance is your personal responsibility and is not reimbursable.	Primary - Enterprise *Excess - University liability program	Primary - Enterprise *Excess - University liability program	Follow Enterprise accident guidelines. Call local police and complete an accident report. Contact Risk Management for liability exposures (property damage or bodily injury to other party or parties) exceeding Enterprise coverage.
	Other source of payment	Enterprise - decline the collision/loss damage insurance. CDW/LDW is reimbursable if you accidentally accepted this type of insurance. In the future, decline the CDW/LDW because it is included in the state contract. Accepting any other type of insurance is your personal responsibility and is not reimbursable.	Primary - Enterprise *Excess - University liability program	Primary - Enterprise *Excess - University liability program	Follow Enterprise accident guidelines. Call local police and complete an accident report. Contact Risk Management for liability exposures (property damage or bodily injury to other party or parties) exceeding Enterprise coverage.
Any other rental agency	UW Travel Charge Card	UW Travel Charge Card Decline the collision/loss damage insurance. The UW Travel Charge Card coverage is voided if you accept the collision/loss damage or any other insurance through the car rental agency. Any fees or deductible due to an accident and resulting from accepting any insurance through the rental agency is your personal responsibility and is not reimbursable. The UW Travel Charge Card does not provide coverage for vehicles rented in Israel, Jamaica, Republic of Ireland, and Northern Ireland. Accept the collision/loss damage insurance for rentals in these locations.	*Primary and Excess - University liability program	*Primary and Excess - University liability program	Follow car rental agency accident guidelines. File a claim with VISA within 20 days from the date of the incident for damage to rental vehicle. Contact Risk Management if there are potential claims for damage to property and bodily injury to other party or parties.
Any other rental agency	Other source of payment	Accept the collision/loss damage insurance. Accepting any other type of insurance is your personal responsibility and is not reimbursable.	*Primary and Excess - University liability program	*Primary and Excess - University liability program	Follow car rental agency accident guidelines. Call local police and complete an accident report. Contact Risk Management if there are potential claims for damage to property and bodily injury to other party or parties.
Personal Auto	N/A	Personal auto insurance	Primary - personal auto insurance *Excess - University liability program	Primary - personal auto insurance *Excess - University liability program	Call local police and complete an accident report. Contact Risk Management if there are potential claims for damage to property and bodily injury to other party or parties.

*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. Full details regarding coverage should be reviewed in the UW Administrative Policy Statements section 10.8, Risk Management and Insurance Programs section 14.1.2, Motor Pool Insurance Coverage and State of Washington Car Rental Contract.