Automobile Insurance

Insurability Statement

Drivers must be a minimum of 18 years of age or older, must possess a current valid driver’s license, consent to a motor vehicle record check (MVR) and meet the university’s established insurance criteria to be added to the list of approved drivers. Applicants must be approved before they can be hired if driving is one of the primary duties of the position. Current employees must be approved before they may operate a University Vehicle.

MVR – Driving Record Check

University guidelines require that all drivers of a university owned, leased or rented vehicle complete this form for the purposes of determining driver insurability before being permitted to drive. University vehicles include all fleet vehicles owned or leased by the University, as well as any vehicles purchased, leased, or rented by the University and assigned to individual employees or departments for their use.

How to obtain insurance coverage for a newly acquired vehicle:

Insurance information pertaining to Troy University vehicles is maintained by Risk Management, Safety, and Insurance (RMSI). The Troy University department purchasing a vehicle should contact RMSI within 3-5 days of acquisition to arrange for insurance coverage. Information the department should furnish to RMSI includes:

  • Make & Model
  • Year Manufactured
  • VIN
  • Copy of the Bill of Sale

Upon receipt of the insurance card, RMSI will provide the department with a copy/original to be placed inside of the vehicle.

Accident Reporting

  1. Stop immediately and contact the appropriate law enforcement agency.
  2. Call 911 if anyone is injured or requires immediate medical attention.
  3. Take necessary precautions to protect the accident scene. Vehicles should not be moved until after the police arrive unless they present a safety hazard.
  4. Do not leave the accident scene until an accident report has been completed by the law enforcement official.
  5. Do not discuss the details of the accident with others at the scene.
  6. Do not admit liability or fault, make offers, or agree to settlement on behalf of Troy University. It is important that such admissions and decisions be reserved for the insurance carriers.
  7. Do not sign any document other than those required by the law enforcement official.
  8. Obtain name, address, and phone number of the other driver and their insurance information and the contact information for any witnesses.
  9. Remove keys and University property and lock the vehicle if the vehicle must be towed from the scene.
  10. Ask the investigating law enforcement officer to provide the accident report number and how/where a copy of the report can be obtained.
  11. Notify Troy University RMSI to report the accident within 24 hours. RMSI will ask you to complete an Auto Claims Questions Form and return to them to expedite claims reporting.

Auto Claims Questions Form

Windshield Auto Claims whether repairable or needing to be replaced should be reported to Lynx Services at 1-800-264-4143. Information the department will be asked to furnish is:

  1. The policy number (on the insurance card.)
  2. The date or approximate date of loss.
  3. The VIN of the vehicle (on the insurance card.)
  4. Description of the damage.
  5. The exact location of the vehicle.
Lynx Services will schedule a time for the vehicle to be attended.

If the vehicle is a rented automobile:
  1. Complete and return to RMSI a Windshield Auto Claims Questions Form.
  2. Provide RMSI with a copy of the rental agreement.
  3. Provide RMSI with any supporting paperwork. If the rental company makes the repair then provide RMSI with a copy of the bill for repair.

    NOTE: The department filing a claim will be responsible for any deductibles associated with loss.