Carnegie Mellon University

Rental Vehicles Insurance Information

General Information

Vehicles rented for university business purposes for less than thirty (30) days are considered short-term rentals by the university's current automobile insurance carrier.  Coverage of short-term rentals under the university's automobile insurance policy is subject to the following conditions:

  • All drivers of rental vehicles must be over the age of twenty-one (21).
  • Any rental vehicle that has a value over $75,000 must be specifically scheduled with the Risk Management Office prior to the start of the lease/rental agreement.
  • Coverage under the university's automobile insurance policy is only provided for vehicles rented in the United States, the territories and possessions of the United States, Puerto Rico and Canada.
  • Rented vehicles should be leased as:  Carnegie Mellon University - (name of faculty, staff, or student).
  • Individuals renting vehicles for more than thirty (30) days should contact the Office of Risk Management Office to confirm applicable insurance coverage.

Regardless of location, the following optional insurance coverages will not be reimbursed:

  • Personal effects coverage/effects protection;
  • Personal accident insurance.

Domestic Vehicle Rentals

Domestic vehicle rental is defined as a rental occurring in the United States and its Territories and Possessions, Puerto Rico and Canada.

The insurance coverages below should not be purchased by those performing a domestic vehicle rental.  The university already maintains automobile liability insurance within these countries and territories.  Costs for the following coverages will not be reimbursed:

  • Loss Damage Waiver/Collision Damage Waiver;
  • Liability insurance supplement/Additional Liability insurance;
  • Personal accident insurance.

A copy of the university's usage language and insurance card may be obtained here.

International Vehicle Rentals

University employees renting vehicles for international business travel outside the coverage territory of the United States, the territories and possessions of the United States, Puerto Rico and Canada are advised to purchase any automobile liability and physical damage insurance required by the specific country.  University employees will be reimbursed for any required coverages and/or the following coverages:  

  • Loss Damage Waiver/Collision Damage Waiver;
  • Supplemental liability insurance, if any.