Coverage for Personally-Owned Vehicles

The vehicle owner’s insurance is the primary coverage in case of an accident, even when using the private vehicle for business.

  • The state’s self-insurance program does not cover auto liability for state employees who use personally-owned vehicles to conduct state business.

Guidance for Use of Personally-Owned Vehicles for University Business

  • Incidental use of personally owned vehicles -- if used rarely and for low risk activities – is not strictly prohibited, but is strongly discouraged.
  • If there is risk involved (i.e. – transporting expensive equipment) employees are required to use a state-owned, rented, loaned or leased vehicle. Please contact Safety & Risk Management if you need assistance with risk assessment.
  • Individuals who use a personally owned vehicle for low risk MSU business purposes should check with their insurer regarding a “business use endorsement” for their personal auto policy. This additional coverage may prevent your policy being canceled should you become involved in an accident while using your vehicle to conduct university business.