Who Covers Accidents Caused by Foreign Mission Members?

A mandatory insurance program provides financial
protection and legal remedy for accident victims who
are injured or who sustain property damage resulting
from a vehicle accident caused by a foreign mission
member. For example, if a mission member who enjoys
immunity from civil jurisdiction causes a motor vehicle
accident, the accident victim(s) would be able to take
legal action directly against that member’s insurance
carrier. The program ensures that the mission members’
various levels of privileges and immunities or lack of
personal funds do not prevent an accident victim from
receiving compensation for injuries and/or damage to
property.

Every motor vehicle registered with OFM must carry
liability insurance at or above the required minimum
levels of $100,000 personal injury per person, and
$300,000 personal injury per accident, and $100,000
property damage per accident or $300,000 combined
single limit coverage. Motorcycles must carry required
minimum levels of $100,000 personal injury per person,
and $300,000 personal injury per accident, and $50,000
property damage per accident or $300,000 combined
single limit coverage. Proof of this minimum insurance
coverage is required at the time of vehicle registration
and must be maintained for the entire time the vehicle is
registered with OFM.

Any lapse in insurance coverage or termination of an
insurance policy will result in immediate notification to
the mission member that the uninsured vehicle may not
be driven under any circumstance until OFM is furnished
with proof of valid liability insurance coverage at the
amounts stated above. If the mission member or a mission does not comply
with OFM’s request for insurance information, a
letter will be sent to the Deputy Chief of the mission
requesting that the insurance information be provided
no later than five working days after notification.

If OFM does not receive prompt verification of insurance
coverage for a personally owned vehicle, OFM will not
renew the registrations of any of that foreign mission
member’s other personally owned vehicles when their
registrations expire until proof of adequate insurance
coverage is provided. Similarly, should OFM not receive
prompt verification of insurance coverage for a mission
vehicle, OFM will not renew the registrations of any of
the other mission vehicles as their registration expires
until proof of adequate insurance coverage is provided.

If an uninsured mission member is found to be at
fault in an accident, OFM will consider the mission
member personally responsible for financial restitution
of all property damage and any expenses related to
personal injuries suffered by the accident victim(s). If full
restitution is not made, the responsible party may be
asked to depart the United States.

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