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Which automobile insurance policy is primary in a vehicle accident that occurs while driving on University business?

Driving a personal vehicle

  • Your personal insurance policy is the primary policy
  • The state insurance policy  is secondary
  • You can file a claim to request reimbursement from the CSU for out of pocket expenses related to the accident

Driving a state owned vehicle

  • The institutional insurance policy is primary

Driving a rental car

  • If rented under a state contract, the rental car agency insurance is primary
  • If you do NOT rent under a state contract, you are responsible for liability insurance (either personal or non-reimbursable purchased insurance)
  • For more information, visit the travel desk

Questions? Contact SHS at x4502 or

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