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Rental Car Insurance Coverage  
 
Summary: Find out about rental car insurance coverage included in UC agreements or for employees through the UCSD Travel Card program.

The University of California has a systemwide car rental program with Enterprise, Hertz, and National. It offers UC business travelers the best value, most economical pricing, and includes insurance coverage.

Agreements generally include:

  • Collision Damage Waiver (CDW): CDW is included in the rate at no additional cost. Decline CDW, if offered by the agency.
  • Liability insurance: Decline liability insurance, if offered by the agency. Liability insurance limits are:
    • $100,000 per person
    • $300,000 per accident
    • $25,000 for property
  • In the U.S. (including Alaska and Hawaii), CDW and liability insurance are provided.
  • Outside the U.S., CDW is generally included. Additional coverage may be included, see agreements for details:

Agreements do not include:

  • Supplemental Liability Insurance (SLI): Typically you do not need SLI; however, you may decide to purchase SLI if renting for a large group or high-risk activity.
  • 100/300/25 liability insurance if outside the U.S.

Reimbursement for rental car insurance is only available under special circumstances because coverage is included in the UC agreements.

To arrange car rental with agencies using UC agreements, use Balboa Travel as special rates and insurance coverage are automatically offered. See step-by-step instructions.

For car rental agencies not using UC agreements, employees should use the UCSD Travel Card. Full-value coverage is provided for collision, loss, damage, fire, vandalism, and theft at no extra charge. If you rent a car, liability insurance will not be included. Instead, your personal insurance is primary and not eligible for reimbursement.

Questions? Contact UCSD Travel or an individual Travel Team member.



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Last reviewed/updated on Jan. 15, 2008 (see more info)
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