If you need to file an auto insurance claim overseas, here are some tips. In some countries, liability insurance is mandatory. In other countries, it may be necessary to get a bond equivalent to half the value of the car. Your auto insurance provider can advise you based on the laws of the country you plan to visit. You can also check with your embassy in the country of origin to find out if you need to purchase any additional insurance.
Before you travel abroad, check whether your car insurance is still valid. It’s best to contact your insurer at least a month before your departure date. While many insurers offer third-party coverage abroad, you should look for comprehensive cover. Without a comprehensive policy, you may be out of pocket in the event of an accident or theft. Make sure you have a Green Card from your insurer, which proves that you have third-party liability coverage. It may cost a small fee, but it’s worth the peace of mind if you can make a claim when you’re abroad.
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Another factor that can affect your premium is your claims history. Depending on your circumstances, you might be eligible to receive a no-claims discount, or a bonus-malus system. Insurers may give you discounts for no-claims and charge you more for claims. Asking your insurer for records of your previous claims is another good way to check if you’re eligible. You’ll need to provide proof of this, because it is a legal requirement.
You should also take care of your car insurance policy abroad. Insurance in other countries may be more expensive than in the U.S., as some cultures consider licensed drivers as professionals. Make sure you read the policy details carefully before you depart. You should also look for multi-national insurance companies abroad. These companies often have partner agencies or branches in the country where you plan to visit. These insurance companies will direct you to the local insurance provider, if they have them.
While abroad, you should also consider renting a car. While your insurance policy will cover the cost of the car, you might not have adequate coverage if you need to rent a car. The insurance provider you choose might offer you extra coverage. But you should always make sure you understand the terms and conditions of your international rental insurance policy. You should also check with your embassy to find out if there are any restrictions. In some countries, car rentals may be compulsory.