Most countries require vehicle owners to purchase third-party liability policy to cover any damage caused as a result of a car accident. In the U.S. or U.K., these policies typically have very high limits, so you’re generally protected. But you might not be so well provided for in other parts of the world, especially if policy limits are under $500,000 USD or are payable in potentially unstable currencies. The Clements Worldwide Excess Liability Policy protects you against low coverage and is payable in US dollars and other major currencies.