International Crisis and Risk Resource Hub

Personal Accident cannot replace your health insurance. It can complement employee health insurance, but it does not replace it.

Political risk is not included in our political violence coverage.

Your policy does include Political Violence coverage including war should your vehicle be subject to damage due to war.

No, you may open a claim by requesting a Claim Packet Request via our Claims & Requests form or by emailing claims@clements.com.

• Your vehicle has sustained damage due to war: Your filed claim will be assessed on receipt and will be paid in in 10 business days subject to receipt and review of all requested information.
• Condition of your vehicle is not known: You can file a claim now for notification purposes. A 6 months waiting period will be applied for the claim to be assessed. Your claim will be processed at the end of the waiting period subject to receipt and review of all requested claims information.
• You file a claim, however your car is returned undamaged: your claim will be closed with no payment.

It is the amount to be deducted from any approved claim amount – $500 each and every loss per vehicle.

• Basis of Claims valuation is Actual Cash Value at the date of loss which is derived by taking the insured value and applying depreciation. Claim amount payable cannot be higher than the insured value of the vehicle.
• US Spec vehicle – We use NADA Values to calculate the Actual Cash Value of the vehicle at the time of a claim.
• Non-US spec vehicle – We use Industry standard calculations for calculating the Actual Cash value based on the country of use and international standards. Depreciation is taken from the Date of Purchase to the Date of Loss.

If you would like an estimated value of your vehicle please email taskforce@clements.com and we will work with a claims representative to estimate the value.

• You are required per the policy to extend all recoveries and salvage to insurers post a claim payment. Auctioning or sale of the recovered vehicle shall be your responsibility with proceeds due back to the insurers equivalent to the claim amount paid.
• In the event the vehicle is to be retained and used by you post a claim payment on recovery, insurers will be due back the amount paid for the claim in full.
• The insurers are not liable for duty surcharges and any related taxes attributed to the disposal of vehicles or importation of replacement vehicle or parts.

What Coverage Does My Current Personal Property Policy Provide for This Situation?

• Please note that your policy does not have Political Violence coverage including war. This exclusion under Personal Property coverage is standard globally under all policies and is not unique to Clements.
• By design, the State Department offers this particular area of coverage under the Civilian Claims Act.

Where Can I Find Assistance in Filing a Claim for HHE with the Claims Act?

You will be receiving an invitation for a separate meeting regarding the Claims Act from your department. We can help in the process by providing you with a coverage denial letter under our HHE policy due to War exclusion.