Third Party Liability Detail
Primary Liability Coverage
Our policy can provide the locally required third party automobile liability coverage while your automobile is being operated. Licensed drivers are covered for the sums they are legally obligated to pay as damages because of bodily injury and/or property damage to others.
In many countries, we provide the locally required Primary Auto Liability Insurance (Third Party) coverage in conjunction with your policy. Primary Liability policies are issued through a legally accepted insurance company in the country in which you reside and comply with the local operational laws and registration requirements.
Excess Liability Coverage
Under our Plus program, we offer Automobile Excess Liability Insurance coverage. When it is required for you to purchase your primary liability coverage locally, our excess liability coverage will extend this often inadequate coverage.
From our claims file:
An International businessman loses control of his vehicle and runs into a parked car. Upon contacting his local insurance company, learns that the policy will not pay for damages to the other car because no bodily injury was caused. A Clements Excess Liability policy would provide this coverage over the local insurance.
The Fine Print
- A standard war exclusion applies.
- Coverage is excluded while the automobile is within the United States, Canada or the named insured's home country.