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Insurance Claims

Automotive Liability

Review the Driving Policy for information regarding training requirements, accident reporting, and driver eligibility.

The University of Denver insures all DU owned, leased, and rented vehicles.


If you plan to drive a DU owned or leased vehicle, or rent a vehicle for DU related business you must take the Defensive Driving course.  Please see the Employee Tab in PioneerWeb for additional information and registration.

Report Auto Claims Within 24 Hours

In case of ANY collision involving a University vehicle

  • Call the local police and obtain from other driver:
    • Full name, address, phone number
    • Driver’s license(state, number, date of birth)
    • Insurance company information and policy number
    • Vehicle license plate, make, model, VIN and damage
  • Give to other driver
    • DU insurance information
    • DU Risk Management contact and phone number
  • Call DU Campus Safety immediately if on campus at 303-871-3000; if off campus call once you arrive at a safe location at 303-871-2334
  • Call DU Enterprise Risk Management within 24 hours at 303-871-3810 regardless of the extent of damage

Rental Vehicles

If you are renting a car, you will encounter several insurance coverage options offered by the rental card company, which are described in the table below.  The second column of the table provides a definition for the coverage and explains the circumstances when you should buy the coverage from the rental car company.

Type of Coverage

Definition and When to Buy

Collision Damage Waiver (CDW) or
Loss Damage Waiver (LDW)

This provides coverage for damage to the rental car.   IF a DU staff member pays for a rental card with a DU P-card, this coverage may be declined because the P-card includes this coverage as an added benefit.  Contact Business Services or Enterprise Risk Management for more information on Visa P-card policy limitations concerning this coverage.  DU staff are not required to decline this coverage and may accept it if preferred.

Personal Accident Insurance (PAI)

This provides renter and passengers with accidental death, accident medical expense, and ambulance expense benefits.  PAI coverage may be declined by DU staff members whose only passengers are other DU staff members since they are covered by workers compensation.  However, PAI coverage should be purchased when non-employees will be passengers in rented vehicles.

Supplemental Liability Protection (SLP)

This provides coverage for third-party claims for bodily injury and property damage that arise from the use or operation of the rental vehicle.  This coverage should always be purchased pursuant to University Board-approved policy on travel.

International Rental

If traveling internationally, always purchase all the rental car insurance.