Domestic Rentals - Liability Coverage and Physical Damage Coverage

Primary insurance coverage is included when you use one of the university’s options for domestic vehicle rental found on Facilities Services Car Rentals page. MSU faculty, staff and students who rent vehicles to conduct MSU business are expected to use one of these options when renting vehicles.

Be sure to list the renter’s name and Montana State University as the lessor/named insured on the rental agreement. Additional drivers may be covered if they are listed as additional drivers on the vehicle rental agreement at the time the vehicle is rented. Coverage area is the U.S. and Puerto Rico.

Secondary insurance coverage is available if the rental car is paid for with the MSU P-Card under the  VISA Auto Rental Collision Damage Waiver Program.  Travelers must initiate and complete the entire rental transaction with an eligible Visa card embossed with their name for the coverage to be in effect. The MSU VISA purchasing card should be used for all foreign rentals, including Canada, since the coverage is worldwide.

Those who are traveling outside of the United States DO have to purchase local vehicle liability insurance if required by local law in the country they are travelling to. Even though the VISA card provides it, travelers should also purchase the vehicle comprehensive/collision coverage if it is required by local law in foreign countries. This includes Canada and Mexico.