What must a vehicle owner provide to the Department regarding their insurance?

The requirement for a vehicle owner to provide a certificate of insurance that names themselves as the insured and the Department as an additional insured is crucial for several reasons. This designation ensures that the Department is protected under the vehicle owner's insurance policy in the event of an incident involving the vehicle. This kind of arrangement typically covers liability claims that may arise during the operation of the vehicle on property owned or managed by the Department.

By having the vehicle owner as the primary insured, it ensures that they have their own coverage in place. At the same time, naming the Department as an additional insured means that should any claims for damages or injuries occur while the vehicle is being used, the Department can benefit from the vehicle owner's insurance coverage, protecting their interests and ensuring that they are not financially liable for incidents arising from the vehicle's use.

This contrasts with other options that either do not provide the necessary level of protection for the Department or do not fit the requirements typically set by departments managing vehicles on public property or facilities. For example, stating the type of vehicle being used does not provide any insurance coverage. A certificate naming just the Department as the primary insured would leave the vehicle owner without their own protection, and a simple letter from the insurance agent lacks the formal guarantee of coverage that