The Clemson University Automobile Liability Insurance Policy provides excess physical damage insurance on automobiles leased, hired, rented or borrowed when they are being used for Clemson University business.  The University's policy has a $200 deductible and pays in excess of other valid and collectible insurance.

If the employee has valid and collectible insurance under his/her personal automobile insurance, the Rental Agency will always file with that coverage first.   In this case, the University's insurance is excess over the employee's coverage.   If the employee does not have rental car coverage under his personal automobile insurance, the University's insurance becomes primary.

If the employee wishes to protect his/her own insurance policy from a claim, then the comprehensive and collision insurance should be purchased at the time of rental.   The employee is responsible for obtaining any information from the rental car company relating to any deductibles that may apply.

When the employee rents an automobile from Alamo Rent-a-Car, Inc. under the State contract, the insurance is automatically included.  The contract does not apply to vehicles other than private passenger automobiles (i.e., coverage is not included for vans, trucks, and other vehicles).