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Recreation Vehicle Insurance

Non-owned Automobiles RENTAL VEHICLES & OTHER FORMS OF RENTED TRANSPORTATION INSURANCE PROGRAMS Effective July 1st, 2005 there are a number of significant changes to the Rental Vehicle Coverage. The changes have been hi-lighted in red for quick reference. Please be sure to read these changes and if you have any questions please contact 220-5719 or 220-5847. PLEASE NOTE: This is a short summaryof the above insurance program that has been prepared for quick reference. It does not include all of the conditions and exclusions that might applyon this policy. If you have any questions about the insurance implicationsof an activity or situation in which your department is involved, pleasecontact Insurance & Risk Management at 220-5719. SECTION1: Automobile Rental Insurance SECTION 2: Guidelinesfor Renting Vehicles on University Business SECTION3: Rental of Other Means of Transportation SECTION4: Reporting an Accident& Making a Claim ALERT.......DRIVING 15 PASSENGER VANS IN BRITISH COLUMBIA SECTION 1: AUTOMOBILE RENTALS There are two types of insurance programs listed under this section. One program is for those automobiles that are rented within Canada andthe U.S., and the other program is for those automobiles that are rentedthroughout the rest of the world. What is Covered This University non-owned auto program covers automobiles that are rented from RentalAgencies that are being used for University business. Please note: Insurance coverage for +30 day rentals is included in the Non-Owned Automobile insurance as of June 13, 2005 (previously they were added in the Owned Automobile Insurance) and these rentals are no longer required to be reported. WITHIN CANADA AND THE U.S. the University of Calgary insuranceprogram includes : liability insurance which covers damage to the property of othersand injuries to individuals. ADVICE : This program provides excess insurance over and abovethat which the Rental Agencies carry. The liability coverage providedby the Rental Agency and the University's excess policy should providesufficient coverage while you are engaged in University business. PLEASE NOTE : if you are not engaged in University businessat the time of the accident, you will NOT be covered by the Universityof Calgary liability insurance policy. You may, however, be coveredunder the Rental Agencies liability insurance as Canadian law requiresRental Agencies to carry $1 million in third party liability coverage. Rental Agencies in the United States may carry less or none at all, dependingon the States in which they are located. Please check with the RentalAgency at the time of rental for this information. collision and theft of Rented Automobile insurance up to a valueof $60,000 . University insurance does not include RentedAutomobiles that are used for recreational purposes. Under this policy there is currently a $1,000deductible, which will be the responsiblity of the department or trustholder. ADVICE : For Rented Automobiles that will be used for recreationalpurposes, for non-University business or for Rented Automobiles valuedat more than $60,000 , purchase the Collision Damage Waiver or Loss DamageWaiver for the full term of the rental from the rental company at the timeof the rental. If your department or trust holder does not wish to be responsible for the $1,000 deductible per accident through the current University insurance policy,we would also recommend that you purchase the Collision Damage Waiver from theRental Agency which will have a lower deductible. NOTE 1: Rental Agencies do not cover collision damage to the vehicle,unless the renter has purchased a Collision Damage Waiver or Loss DamageWaiver from the rental company at the time of the rental. See #7 for more information on other insurance coverage's. NOTE 2: Any damages not covered under the Collision Damage Waiver or the Loss Damage Waiver, will result in the department or trust holder being responsible for the $1,000 deductable. WITHIN THE REST OF THE WORLD the University of Calgary insuranceprogram includes : liability insurance which covers damage to the property of othersand injuries to individuals. ADVICE : This program provides excess insurance over and abovethat which the Rental Agencies carry. However, Rental Agencies inmany countries may not automatically provide liability insurance for personsrenting their vehicles. Also, the University's policy DOES NOT covercollision or theft of Rental Automobiles. Therefore, purchase themaximum liability, collision, accident and theft insurance that the RentalAgency offers while traveling in countries outside of Canada or the UnitedStates. Who can drive a Rental Automobileunder this Program and for What Purposes? This policy only applies to Rental Automobiles that are being drivenon University business. NOTE: Individuals holding the following types of licenses are not allowed to drive on university business: learners, probationary, Class 6, Class 7 or graduated Class 5. Persons covered under this policy includeQualified Drivers with a valid drivers license (see NOTE 2 below) who areregistered with Insurance & Risk Management and who fall into one of the three followingcategories: University of Calgary staff; University of Calgary volunteers (with written permission from the DepartmentHead or designate); University of Calgary students when the vehicle is being used for courserelated field trips OR varsity team transport. Please note, the tripmust be under the supervision of a University employee and permission mustbe granted by the Department Head or designate NOTE 1: When using Budget Rent a Car in Calgary (the University ofCalgary's vehicle rental agency), drivers must be 21 years of age orolder. Other Automobile Rental agencies may require drivers to be 25 yearsof age or older. It is the Renters responsibility to check with the RentalAgency to ensure that their driver's are in compliance with the Rental Agency'spolicy. NOTE 2: Qualified Drivers must have (A) completed, and the department has approved, the on-line University of CalgaryDriver's Agreement form, see Drivers Agreement Form , and (B) the Authorization for Driver Information form is dated and signed and submitted to Insurance & Risk Management , and (C) be qualified to drive in Alberta. NOTE 3: According to Alberta Registries, International Students attendingon a student visa may drive a vehicle in Alberta with their home countryDriver's License as long as it is in English. Otherwise they must obtaina Canadian Driver's License. Other International Drivers that are on awork visa are required to obtain a Canadian Driver's License after beingin Canada for three months. GOTO Rental Vehicle Agency - Materials Management Web Page NOTE: Drivers involved in a) multiple accidents within a twoyear period b) a serious accident or c) a serious driving infraction while driving on University related business may be reviewedby Insurance & Risk Management. The results of this review may require the driver to attend a Drivers Safety course in order to continueas a Driver insured under this program or could result in suspension of driving privileges. Passengers Hitchhikers must not be picked up or carried at any time. What is Not Covered personal property of the driver or occupants University of Calgary property located inside or carried outside on theRental Automobile or trailer (see PropertyInsurance Program) personal automobiles. Although employees may use their personal automobilewhile on University business, the University's insurance policies do notprovide coverage. Car owners are advised to check in advance withtheir own insurance agent to secure an appropriate endorsement to theirpolicy, if necessary. The additional costs of such endorsements arethe personal expense of the car owner and are deemed to be compensatedfor within the current kilometrage rates. For further informationon this topic, please see the Universityof Calgary Travel Policies & Guidelines vehicles which are carrying hazardous materials or goods Rental Automobiles which are not being used for University business atthe time of an accident or theft, but for recreational or leisure activitiese.g. sightseeing trips outside of the area of business. In this casethe University insurance program will deny coverage. Please ensurethat you have adequate coverage for yourself (either with a credit card,your personal automobile policy, or buying down the Rental Agencies insurance) if the vehicle will be used for purposes other than University business. collision damage above $60,000. Special Conditions of Rental AutomobileInsurance Program The rules listed in the agreement with the Rental Agency must be followed. They should indicate whether or not their vehicles are allowed out of Province,State or Country. If you are planning to change states, provincesor countries, ensure that you inform the Rental Agency. Only the qualified drivers as indicated in #2 above may drive the vehicle. These drivers must be listed on the Rental Agency agreement. University of Calgary Rental Automobile Insurance Program coverage maybe void in the following conditions: if the driver is found legally impaired; if alcohol or illegal drugs are found in the vehicle; if the vehicle is used for any illicit or prohibited trade or transportation; PLEASE NOTE : the individual signing out a vehicle and/or thedriver may be held legally responsible for charges and/or litigation resultingfrom vehicle misuse (which includes, but is not limited to, any of theSpecial Conditions listed herein). ADVICE: In order to ensure that the Rental Automobile is coveredunder this Insurance Program, write the renter's name and also the Universityof Calgary's name on the Rental Agency agreement. Deductibles Under this policy there is currently a $1,000 deductible, which will be the responsiblity of the department or trustholder, if it is determined that the driver of the rentalvehicle was at fault. Where it is determined that the accident isthe fault of the other driver, the department will not be charged. WITHIN CANADA AND THE U.S.: $1,000 deductible for all losses (including glass) where the collision and/or upset loss is under the deductibles listed above, G.S.T. will be charged on all repair costs; WITHIN THE REST OF THE WORLD: $1,000 deductible for all losses (including glass) where the collision and/or upset loss is under the deductibles listed above, G.S.T. will be charged on all repair costs; Additional personal coverage thatmay assist in the case of a loss (not purchased by the University) University American Express Corporate Travel Card - additional theft andcollision damage insurance can be obtained at no additional cost if anemployee rents a passenger vehicle using their University American ExpressCorporate Travel Card and denies the rental company's damage waiver atthe time of rental. The American Express Travel card will provideinsurance for automobiles, Sport Utility or 8 passenger or less mini vanswith a gross vehicle weight of 2665 kilograms (5875 pounds). Excludedfrom the American Express Corporate Card coverage are exotic, antique orexpensive (more than $65,000 Canadian) cars; all trucks or vans (otherthan mini); off road vehicles (ones designed primarily to be driven offpublic roads); motorcycles; mopeds; recreational vehicles; campers; andtrailers. The insurance provided by the American Express Corporatecard will provide coverage during the rental period regardless of whetherthe vehicle is being used for business or recreation. For completeinformation or questions on insurance coverage provided by the AmericanExpress Corporate Travel Card call 1-800-243-0198. PLEASE NOTE: if you are relying on a credit card for insurancecoverage, the credit card insurance coverage will likely only apply tothe one vehicle that is being driven by the person whose name is on thecard. It will not cover any other vehicles, even if they are rentedwith the same card. Personal Automobile Insurance Policy - your Personal Policy may have anextension to include automobiles that you rent. Please check yourpersonal insurance policy for this information. Other credit cards may have additional coverage for rental vehicles whenthe card is used to rent a passenger vehicle. Please check with yourcredit card company for this information. SECTION 2 - GUIDELINESFOR RENTING VEHICLES ON UNIVERSITY BUSINESS Rent the vehicle in the University's name (i.e. John Doe, University ofCalgary). Name any additional drivers on the agreement and watchfor the age limits that apply. Rent from a well known company, both while in and out of North America. If you are renting a vehicle for departure from Calgary you can arrangethis through the University of Calgary APEX system. If renting for departurefrom outside Calgary, Budget and National Tilden are world wide. For Universityrates outside of Calgary see CAUBO/AUCCCorporate Car Rental Rates Rent only passenger-type or light commercial vehicles (i.e. cars, lighttrucks or passenger vans) as other types of vehicles may not be coveredunder the University's Rental Automobile Program. If you are intending to use the rental vehicle for recreational purposes,do not decline the Collision Damage Waiver, the Loss Damage Waiver or thePersonal Accident Insurance, unless you have verified with your creditcard or automobile insurance company that adequate coverage is availableunder their policies. Ensure that you understand the car rental agreement. It will statethat only authorized drivers may drive the vehicle, where you may not drivethe vehicle (i.e. off road), that the vehicle must be locked at all times,that you cannot drive illegally (i.e. under the influence of alcohol orover the speed limit), etc. It is your responsibility to ensure thatyou understand the terms and conditions under which you are renting thevehicle. While outside of Canada and the United States purchase the maximum liability,collision and accident insurance that the rental company offers. Let the Rental Agency know where you are driving, especially if you areintending to drive out of the country, or the state In the event of an accident, inform the Rental Agency immediately. Notify your credit card company (if applicable) and the University as soonas possible (403-220-5333). Ensure that you retain copies of the policereports, all rental company documentation and bills or invoices. Ensure that you store your personal property out of sight in the car. Do not leave valuables where they can be seen. It is also safer toensure that anything that identifies you as a "tourist" (i.e. maps, binoculars,etc.) is out of sight when you leave the car SECTION 3 - RENTALOF OTHER MEANS OF TRANSPORTATION Any other form of transportation either than an automobile or van (i.e.aircraft, watercraft, etc.) may not be covered by the University's InsurancePrograms. Please ensure that you contact the Insurance & Risk Management department (220-5719) prior to undertaking these type of rentalsto see what coverage is available through the university. SECTION 4 - REPORTING AN ACCIDENT AND MAKING A CLAIM To report an accident (seeReporting A Motor Vehicle Accident - Automobile Rented on University Business) To make a claim: When Insurance & Risk Management receives the report of the accidentfrom Campus Security, they will open a claim file. The vehicle driverwill be required to provide the following information: further particulars about the accident, if required a copy of the Rental Agency contract a copy of any bills received from the Rental Agency for the accident a copy of the accident report filled out for the Rental Agency. PLEASE NOTE: For information on travel claims, the types of automobiles that canbe rented, and the applicable reimbursable expenses, please see the Universityof Calgary Travel Regulations and Guidelines Last Updated: June 30, 2005 RETURN TO HOME PAGE RETURN TO TYPES OF INSURANCEPROGRAMS PAGE RETURN TO GENERAL LIABILITY INSURANCEPROGRAM



WINNEBAGO TRIBAL GOVERNMENT: The

WINNEBAGO TRIBE OF NEBRASKA community profile WINNEBAGO TRIBE OF NEBRASKA COMMUNITY ENVIRONMENTALPROFILE WINNEBAGO TRIBAL GOVERNMENT: The United States Government as defined by theUnited States Constitution has governmental relationships withInternational, Tribal, and State entities. The Tribal nationshave a government-to-government relationship with the UnitedStates. The Winnebago Tribe signed treaties with the UnitedStates which are the legal documents that established thereservations boundaries and recognized the rights of a sovereigngovernment. The Winnebago Tribe lived near the MissouriRiver in present day Nebraska in the days prior to diplomaticrelations with the United States government. The Winnebago Tribewas originally designated reservation lands along the MissouriRiver recognized in treaties with the United States signed onMarch 8, 1865 and June 22, 1874. This includes all rights-of-way,waterways, watercourses and streams running through any part ofthe reservation and to such others lands as may hereafter beadded to the reservation under the law of the United States. The Winnebago Tribe operates under aconstitution consistent with the Indian Reorganization Act ofJune 18, 1934. The Tribal Council governs the Winnebago Tribe.The Tribal Council consists of a Chairman, Vice-Chairman,Secretary, Treasurer and nine additional Councilmen all of whomare elected by the tribal membership. The Tribal Council Chairman serves as theadministrative head of the Tribe. The Tribal Chairman andOfficers are elected from within the Council and serve a one yearterm as officers. The elected leadership on the Council serve aterm of three years at-large without regard to residence in aparticular district of the reservation. Tribal/Agency Headquarters: Winnebago, Nebraska 68071 Thurston County, Nebraska Number of enrolled members: 3,736 Reservation Population: 1,204 Labor Force: Not available Unemployment percentage rate: Not available Language: Winnebago and English Land Status: Total Area: 30,647 acres Tribal Owned/Use: 8,679 acres Individual Allotted: 20,368 acres Total Tribal/Allotted: 29,047 acres Other: 1,600 acres LAND : The Winnebago Tribal homelands are located inthe northeast corner of Nebraska, overlapping into a smallportion of western Iowa. The area is comprised of the WinnebagoTribal Reservation and adjacent county totaling square miles. inThurston County, Nebraska. Winnebago, Nebraska is the location ofthe headquarters for the Winnebago Tribe of Nebraska. The Winnebago Reservation is located in thenortheastern corner of Nebraska, 26 miles southeast of SiouxCity, Iowa and seventy miles north of Omaha, Nebraska on statehighways 75 and 77. The Missouri River is the eastern boundary ofthe reservation. The Omaha Reservation borders the southern sideof the reservation. Over ninety per cent of the lands within thereservation boundaries are owned by the Tribe and Tribal members. The Winnebago Tribe maintains the right andresponsibility to provide environmental authority in compliancewith Tribal and Federal law for protection of the land andresources within the exterior boundaries of the reservationthrough code development and regulatory procedures. Themaintenance and protection of the land is very important to theWinnebago people and the future generations. The terrain consists of low rolling hillsmarked by creeks and undergrowth, leveling off into agriculturalland. There are some wooded areas consisting of cottonwood,various brushes, and shrubs along the Missouri River whichborders the eastern side of the reservation. CULTURE: Social activities such as powwow, rodeos, andraces are celebrated in the summer months. Special powwows heldfor an individual accomplishment, reaching a certain stage intheir lives such as graduation or acceptance into the armedforces with traditional honoring ceremonies, give-aways, andfeasts to celebrate their accomplishments. The oral tradition isstill passed down from the elders to the youth. The future of the Winnebago Tribe is directlyrelated to the protection of our homelands and how well we enableour children to continue our cultural traditions and manage ourresources in rebuilding our economy. We believe the children ofthe Winnebago have the desire and the ability to survive, grow,and rebuild our Nation in the 21st century. CLIMATE: The seasonal weather variations are ratherunpredictable and are some what extreme in varying climaticconditions with an average temperature of 49 degrees. Summerthunderstorms are often severe, spawning tornados and hail.Winter storm fronts often create blizzard conditions, heavysnowfall with blowing and drifting snow. The winters are coldwith temperatures ranging from 10 to -25 F. The summers are hotand humid, while the evenings are cool. The average annualprecipitation rate is 26 inches of rain per year with 75 percentfalling between the months of April and September. The spring andfall times are very pleasant. TRANSPORTATION: The highway system serving the area consists ofthree highways providing north and south access to thereservation. Highway 77 near the center of the reservation withHighway 75 and Interstate 29 along the eastern boundary of thereservation. County roads and a system of Bureau of IndianAffairs (BIA) roads serve the rural areas. These highways are ingood condition, but often become treacherous during the wintermonths. During the winter months Interstate 29 is a high priorityfor snow removal and sanding. This Interstate highway is usuallywell maintained and passable throughout the year. The smallerState highways are less of a maintenance priority during thewinter season; however, most are passable. The rural road systemis low priority for winter maintenance and sometimes travel islimited due to snow accumulations or blizzard conditions. Thearea is susceptible to heavy fog causing dangerous drivingvisibility. No major passenger service is available on thereservation. People must travel to Sioux City, 30 miles to thenorth, or Omaha, 70 miles to the south, where major airlines andbus services are available. TRIBAL ECONOMY: The Winnebago Tribe’s major economicoccupations are Tribal and Federal government administration,farming including both Tribal and Non-Tribal operators, or staffpositions relative to the Tribal Casino operation. The majorityof employment is provided by the Winnebago Tribe, the Casino,Bureau of Indian Affairs, and the Indian Health Service. Commercial business by private operatorsincludes a gas station, two grocery stores, baitshop, arts andhandcrafts. The major commercial center for service arearesidents is Sioux City, IA, 26 miles north. RECREATION: The Winnebago Tribe has some of finest huntingand fishing around with local guides and baitshops available.Water sports are enjoyed by many also. The Tribe operates theCasino and Resort.. Tribal organizations sponsor high stakesbingo games several nights of the week. The Winnebago Tribe sponsors an annual pow wowevery summer. This event also includes arts and handcrafts salesand a softball tournament. The reservation has several beachareas and boat ramps for fishing and water sports. During theyear other sports activities such as softball, volleyball, andbasketball tournaments are also held during the year. PUBLIC UTILITIES : Electric Cooperative, Inc. supplies electricityand Internet access service to the reservation. The TelephoneCompany provides telephone service to the reservation. COMMUNITY SERVICES: The Winnebago Tribal population is served by anIndian Health Service (IHS) Hospital located in the community ofWinnebago, NE. The Winnebago Tribe provides an Elderly NutritionProgram and Youth Recreational Activities.. Additional healthcare is provided by the Tribal Health Department through theCommunity Health Representative and Substance Abuse PreventionProgram. The Health Department also provides examinations andeyeglasses to all residents at reduced rates. IHS provides ambulance and transport servicefor Nursing Home residents and outpatient referrals at healthcare facilities. Transportation for the elderly on thereservation is provided by the Inter-Tribal Elderly Program.Transportation service is available for families for the purposeof shopping for necessities provided by Macy Industries, Inc. ofMacy, NE. There are postal services available, 3churches, and a community center which is used to hold socialevents such as funerals, dances, and Indian ceremonials. TheWinnebago Tribe provides police coverage and a jail in thecommunity, and the fire department is on a volunteer basis. Agroup home provides a safe environment for troubled andendangered youth. HOUSING: The Winnebago Housing Authority manages anumber of housing units in the community of Winnebago and onrural scattered sites through HUD Low Rent and Mutual Help homeownership housing programs. Other housing is available throughthe Bureau of Indian Affairs and Indian Health Service inWinnebago for their employees. Private housing stock is limited. FUTURE: The Winnebago Tribe desires to continueprogress in providing for our people and the development ofincreased self-sufficiency. The Tribe continues to explore meansto expand business opportunities for the Tribe and Tribalmembers. The Bureau of Indian Affairs provides an educationalscholarships for the Tribal membership. Planning and developmentare underway in Cultural Resources to preserve the culturalresources and educate the Tribal members and non-members on thehistory of the Winnebago people. The plans include thedevelopment of tourism to strengthen the economy on thereservation. The Winnebago Tribe will continue to search for waysto maintain our culture and develop new economic opportunitiesfor our future generations. In 1996, the Tribal staff identified insufficientmonetary and personnel resources to perform baseline datagathering functions to enable them to quantify theirenvironmental resources and identify their major environmentalproblems as the major reservation environmental problem whichmay be hazardous to the health of reservation residents.



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