Skip to main content

Saint Louis University Header Logo Center

Menu Search

Automobile Insurance

Saint Louis University maintains auto liability insurance to cover damages and legal defense costs for bodily injury or property damages resulting from auto accidents involving vehicles owned or rented by the University.

The University's automobile insurer retains the right to monitor or refuse to insure an individual driver. Should the automobile insurer decline coverage of any driver, that driver will not be authorized to drive a University insured vehicle.

The University does not insure personal vehicles under any circumstances. If an employee chooses to use a personal vehicle for University business, the personal automobile policy covering the vehicle is primary. Only authorized drivers, drivers who have completed a motor vehicle license check, affiliated with the University in the capacity of student, faculty or staff shall be permitted to drive a vehicle rented or owned by the University. Use of a vehicle is restricted to authorized university-related activities.

Saint Louis University prohibits University vehicles to be taken out of the country. Rental of vehicles in a foreign country is discouraged; however, the University recognizes that there may be times when public transportation is unavailable or not feasible. Any foreign rental must be pre-approved by University Risk Management.

You must be 18 years or older in order to drive a University vehicle. Adhere to the specifications of the rental companies for their age requirements.

If you are renting or driving a vehicle on University sponsored business and require evidence of insurance coverage you must first complete a Motor Vehicle License Registration Check (MVLRC) and receive approval. A MVLRC should be submitted at least five business days prior to the use of the vehicle. 

The University prohibits the use or rental of vans with a wheel base greater than 148 inches or a max of 12 passengers. No exceptions to this policy will be made. For van rental information, contact  Transportation Services.

All University vehicles should carry an automobile liability insurance identification card. For a copy of the card, please contact Risk Management at 314-977-3952 or riskmgmt@slu.edu

License Monitoring

Saint Louis University reserves the right to ensure that all drivers of University vehicles have reasonable driving records and will only authorize drivers based upon this reference check.

Any one or more of the following may disqualify an individual from being authorized to drive for SLU:

  • Suspended driver's license
  • Drug-related conviction in past five years
  • Felony involving a motor vehicle in past five years
  • Three or more moving violations in past three years
  • Two or more moving violations within the past 12 months
  • Driving While Intoxicated or Blood Alcohol Content conviction in past five years
  • Revoked or suspended license in past three years

Once the MVLRC is completed you may contact Risk Management at 314-977-3952 to obtain a copy of the insurance card. Please allow five business days for processing prior to your travel date.

If your department has employees who drive a University vehicle or rental vehicle on University business more than four times a month, contact Risk Management to be enrolled in a continuous monitoring service. There is no charge to the department.

If a driver will be driving a vehicle weighing more than 26,000 pounds or designed to transport more than 15 persons (including the driver), the driver must have a valid commercial driver's license.

Automobile Accident

If you are involved in an accident while driving a University-owned vehicle or while driving a vehicle rented for business purposes, observe the following procedures.

If you are driving a University vehicle:

  • Stop immediately. Do not leave the scene if possible until a police report has been taken.
  • Take steps to prevent additional accidents at the scene. Pull safely over to the side of the road.
  • Call the police and the Department of Public Safety at 314-977-3000 if on campus.
  • Get the information of the other drivers involved including:
      • Name, address, phone number and driver's license number
      • Make, model, year and VIN of the other vehicle, as well as the license plate number.
      • Insurance information including insurance carrier, policy number, effective dates, agent and phone number.
      • Name, address and phone number of any witnesses.
  • When you are able to, notify Risk Management at 314-977-3952.

If you are driving a rental vehicle on University business:

  • Stop immediately. Do not leave the scene if possible until a police report has been taken.
  • Contact the local police department and the rental agency.
  • Get the information of the other drivers involved including:
      • Name, address, phone number and driver's license number
      • Make, model, year and VIN of the other vehicle, as well as the license plate number.
      • Insurance information including insurance carrier, policy number, effective dates, agent and phone number.
      • Name, address and phone number of any witnesses.
  • When you are able to, notify both your department and Risk Management at 314-977-3952.

Departments are responsible for the first $1,500 of damage on all automobile claims in which the University makes a payment.

If a department is involved in an automobile accident with a third party and it's determined to be an at-fault accident of the University department, the department is responsible for the first $1,500 of damage to the department's vehicle, as well as the first $1,500 of damage to the third party's vehicle.