Automobile Coverage Description

Automobile Coverage Description

Automobile Coverage Description

 As a Public Research University in the State of New Jersey, Rowan University is provided with Liability Protection through the New Jersey Tort Claims Act (N.J.S.A. 59:1-1 et seq.) (NJTCA). The protection is available for all Rowan University Owned or Rowan University Hired (lease or rental) vehicles. Protection is available to Rowan employees on an excess basis (above other available insurance) when driving a non-Rowan vehicle for University or auxiliary organization business.

University Owned or University Non-Owned Vehicles (leased/rented by Rowan University)

  • Liability: Coverage for third party liability claims is provided by the State of New Jersey under the Tort Claims Act.
  • Physical Damage: Cost of physical damage to vehicles is born by the University department; it is recommended the Collision Damage Waiver (physical damage coverage) be purchased for Non-Owned Vehicles)

Vehicles Rented or Leased by Rowan Employees for University or Auxiliary Organization Business

  • Liability: Other available insurance will apply prior to coverage from the State. The NJTCA is designed to respond as excess above the underlying insurance.
  • Physical Damage: Purchase the Collision Damage Waiver (physical damage coverage). Otherwise, personal automobile coverage may apply.

Employee Use of Personal Vehicles for University or Auxiliary Organization Business

  • Liability: Personal Automobile Insurance will be primary for third party liability claims and the NJTCA is designed to respond as excess above the underlying insurance.
  • Physical Damage: Employee’s automobile policy will apply.