Physical Damage Coverage

"Auto" owned by the University of Georgia; or

"Auto" leased by UGA provided that the length of the lease is in excess of 30 days and also provided that the intent of the lease is for UGA to eventually purchase the "auto". The "auto" must be leased in the name of UGA ant not in the name of an individual or another party. A copy of the lease must be provided to the Department of Administrative Services when the "auto" is to be covered under the Auto Physical Damage policy;

The replacement cost of the "auto", at the time of the "loss", must exceed $2,500. When a Covered Party carries automobile physical damage coverage through DOAS on an existing "auto", any newly acquired "autos" are automatically covered for a 30-day grace period from the date of the purchase or lease of the newly acquired "auto" provided that the newly acquired "auto" meets the requirement of Covered "Autos".

DOAS provides the following Physical Damage coverage for "loss" to a covered "auto(s)" or its equipment under:

Collision Coverage

Caused by:

The covered "auto's" collision with another object; or

The covered "auto's" overturn.

Comprehensive Coverage

For any cause except:

The covered "auto's" collision with another object; or

The covered "auto's" overturn.

Towing and Storage

DOAS will pay reasonable towing and storage costs arising out of a Collision or Comprehensive "loss" as specified in Limit of Coverage.