FAQ - Claims

What currency is used for claims payments?
We will pay in US dollars. If you wish to be paid in the local currency, we can do so at the exchange rate at the time of loss.

How do you establish the value for my car when there is a claim?
We use industry valuation resources and a review of sales in your local market.

How do you handle claims?
You can report your claim at any time during the day, 24/7/365. We offer prompt response and settlement via email or telephone.

How do you establish the value of any personal property?
For unscheduled property, items are insured at replacement cost, meaning that you will be reimbursed for the value of what it would take to repair or replace the item.

What documentation is required when there is a claim?
You will need to provide a statement of loss, any police and/or embassy reports made, and any proof of valuation (for property).

Will my rates go up when there is a claim?
The first auto claim does not impact rates (“accident forgiveness,”) but any accidents after that could impact your rates.

How do I report a claim?
Online, by phone, or by email

How will I be paid?
You will be issued a check for any settled losses.

How long will it take to process my claim?
It depends on the complexity of the claim. Most will be resolved in a few days after receipt of all requested documentation.

How do I send you the documentation?
Email, fax, or regular mail.

When is a vehicle declared a total loss?
When repairs exceed 80% of the vehicle's probable value.

What happens if I am sued?
If you purchased liability coverage, we have a duty to defend you and will manage your defense and pay for representation for a covered loss. Please contact us as soon as you receive notice of a lawsuit to begin the process.

Find answers to your questions about other coverages or features on these pages:
Deductibles, discounts, and other features
Company information