Utility vehicles that are not designed for highway use, and are typically used to haul people or goods around campus include: off road, all terrain (ATV), food and beverage carts, gators, tow tractors, personnel carriers, etc. Elective physical damage coverage is available under the auto insurance program for these units.
These utility vehicles represent a substantial exposure for loss, particularly from theft, fire and collision. Physical damage coverage is not automatically provided, unless requested by the department owning the vehicle. The department bears the cost of repairs or replacement of a damaged utility vehicle when coverage has not been requested.
Insured utility vehicles are subject to a $5,000 deductible. Please contact the BCN Risk Management Office at (775) 784-4394 to verify coverage, or make a change if needed.