Automobile

Automobile liability laws in countries outside of the U.S. vary as much as their languages do. Typically, local laws require local coverage, and noncompliance can lead to stiff fines and even jail time. Local insurance policies often have low coverage limits and gaps in coverage that can lead to significant uninsured losses.

A combination program that includes local coverage and a difference in conditions/difference in limits policy will allow you both to comply with local laws and provide the standard of protection common in the United States.

Liability: protects you and your employees from third parties who may sue you following an auto accident, and provides coverage for both your legal defense and for judgments made against you.

Medical Payments: provides no-fault medical coverage, similar to insurance you purchase in the United States.

Physical Damage: covers damage to your vehicle, or any vehicle you rent while overseas.

This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.