Car Rental Insurance
Texas Christian University
The university's automobile insurance carrier, Liberty Mutual, provides liability and physical
damage coverage on rental cars used on university business and rented in TCU's name. In order to
clarify the varying coverage listed on most car rental agreements, the following options from Budget
Rent A Car are given:
1. Loss Damage Waiver: Deny for all rental periods of university business.
2. Collision Damage Waiver: Deny for all rental periods of university business.
3. Personal Accident Insurance: Accept Only when persons other than TCU employees will
in the vehicle.
4. Personal Effects Coverage - Personal Accident Insurance: Optional – TCU coverage applies
only to TCU owned property or equipment. Most homeowner policies provide some
coverage for personal belongings. Please review your coverage. If you are transporting very
expensive TCU owned equipment, it is a good idea to accept this coverage
5. Supplemental Liability: Deny for all rental periods of university business.
6. Driving in Mexico: Please try to avoid driving a rental car or your personal car across the
border into Mexico. If you must drive a rental vehicle or personal vehicle for TCU
business in Mexico, separate auto coverage must be purchased from a licensed Mexican
insurance company at the border before driving into Mexico. Mexico considers an
automobile accident a criminal offense as well as a civil matter.
7. Driving in Canada: TCU's automobile policy territory coverage includes Canada.
However, you should purchase local Canadian coverage if you are staying in Canada for an
extended period of time.
NOTE: Any car rental agreement for TCU business must be made in the University's name. Be
certain to add "For TCU" after your signature on the rental agreement.
Please make certain to inspect your vehicle for damage prior to leaving the rental lot. Any damage
found should be reported immediately. Make certain a written notation is made on the rental