News & Media

Monday, August 27, 2012

Driving and Road Tips for Expats in Mexico

For expatriates living in Mexico, there are several adjustments to make when driving on the roads south of the border. Paying attention to speed and right-of-way will help expats in Mexico stay safe. There are a few things to remember when driving in Mexico that will make life easier and safer.

Accident Expenses
Mexico operates primarily on cash; pesos to be exact. Credit cards and American dollars are limited in acceptance. If a motorist is in a car accident and no one is hurt, it is common to negotiate the damage payment in cash. If someone is injured and the authorities are called, the vehicle will be impounded until it is determined whose fault the accident was. With injury cases, the driver will need a lawyer. Some international carinsurance policies offer legal representation as part of the policy.

While there are plenty of gas stations available in Mexico, many of them only offer high octane fuel. Most of them are full-service fueling stations, which means the attendant will come out and pump the gas. A tip is expected in most places.

Mexico Car Insurance
In Mexico car insurance is required by law. There are variations on what is offered and what is required, similar to the United States. Having comprehensive international auto insurance is helpful in covering auto damage, as well as fire and theft.

Road Maintenance
While areas close to the city are often paved and easy to use, mountain roads in rural areas are frequently unpaved and not maintained. Some mountain pass roads have no roadside barriers to prevent motorists from going over the side. The local road signs and rules of the road vary from city to city and town to town.

Driving Hazards
Driving during the daytime in Mexico is preferred by most motorists unless they are very familiar with the roads. Toll roads are better maintained and are paved. One way to minimize risks of driving in Mexico includes using the toll roads. When that's not possible, traveling in daylight so that rural road hazards are more visible is recommended. Speed bumps going in and out of towns are common, and difficult to see at night. Cattle herds and other animals can be found wandering the countryside during the day and at night. At night, they are very difficult to see. 

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Monday, August 20, 2012

Vote For Your Favorite Clements Expat Youth Scholarship Entry

The entries have been made and the 12 finalists chosen. Now it's time for you to vote. The Clements Worldwide sponsored  Expat Youth Scholarship needs your help in choosing the winner. 

As an expatriate insurance provider, we at Clements Worldwide know that traveling to different places and learning new things can be both a fun and scary adventure for kids. As part of our annual Expat Youth Scholarship Contest on Facebook, we asked expatriates age 13 to 18  who have lived abroad for at least two years in a row to enter our contest. Each student had to submit a photo and essay about their experience in taking a "Calculated Risk." The photo captures the essence of that calculated risk.

We received thousands of creative, funny and heartwarming entries. Our panel of judges has narrowed it down to 12 finalists. We're asking all visitors, followers, friends and families to vote for their favorite photo on our contest page at The voting period ends on Friday, August 31, 2012. The top three vote-getters on Facebook in each age category will determine 1st, 2nd and 3rd place. The six students will win a total combined scholarship prize of $10,000.

The scholarship winners will be announced on Friday, Sept. 14, 2012.

Monday, August 13, 2012

Clements Presents Annual Award to Foreign Service Officer at Ceremony

At Clements Worldwide, we try to help the world be a better place. We also applaud others who do the same. As a leader in international insurance for expatriates and international organizations, we recently sponsored and presented the M. Juanita Guess Award to Sara Butler at the American Foreign Service Association (AFSA) awards ceremony, held at the State Department in Washington, D.C.

As the community liaison officer (CLO) recipient of this year's award, Butler was recognized for her outstanding supportive role as CLO while stationed at the American Embassy in Port Au Prince, Haiti for the U.S. State Department. During the aftermath of the earthquake which devastated the community, Butler helped establish a number of projects, including the building of a new playground for children and enhancing the city's Overseas Briefing Center. She was  a positive and reassuring force for many families in an uncertain time.

The M. Juanita Guess Award was established in 1995 by Clements Worldwide to recognize an AFSA CLO who has shown leadership, initiative, dedication or imagination in assisting expatriates and their families serving overseas. The award is named to honor the memory of the former Clements Worldwide president.

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Tuesday, August 7, 2012

Attention U.S. Government Contractors and Subcontractors:


Important New Changes to DBA Insurance Program 

Effective immediately, the U.S. State Department's exclusive agreement with insurer CNA for the provision of Defense Base Act (DBA) coverage has been suspended.  That means that all contractors seeking new DBA policies, or those with existing ones with renewal dates of July 22, 2012 or later, should now contact authorized open market insurers directly to obtain the necessary coverage.   

Clements Worldwide, a DBA insurance provider, recommends contractors to: 
 1. Get Started ASAP on Your Application
 - The application process, which includes submitting specifics about security, risk, and claims information, will take additional time to complete.  Brokers and insurers rely on a comprehensive application package submitted by contractors seeking DBA coverage in order to obtain the best quotes for them.

- Additionally, insurers will need several additional days to respond with competitive quotes, further delaying the process of securing DBA cover.

2. Adjust Your Budget for Potentially Higher Premiums
- Minimum premiums now apply, which could impact organizations operating in Iraq and/or Afghanistan.

- Basic coverage will remain the same for a DBA policy. However, certain extensions (such as Evacuation) may have varying limits depending on the insurer.

To avoid any business disruption arising from new changes to DBA insurance programs, contact Clements' DBA Specialist Smita Malik at 202.872.0060 or

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