Lost Luggage Insurance (LaCarte Cardholders Only)

This insurance is provided to the Cardholder and all Insured Persons when all or a portion of the Common Carrier passage fare(s) is charged to the LaCarte Card.

Exclusions apply including but not limited to: (1) sporting equipment, unless checked with the Common Carrier and for which a claim check has been provided by the Common Carrier, (2) animals, perishables; cameras and accessory equipment; eye glasses and contact lenses; prosthetic devices including dentures and hearing aids; tickets, valuable papers and documents; Credit Cards and Debit Cards; securities; money; art objects; electronic equipment; business items; bullion or precious or semi-precious metals, stones or gems other than that contained in items of personal jewelry owned by the insured.

FOR CLAIMS RELATED MATTERS ONLY - As a LaCarte Cardholder, you may submit a claim directly to Federal Insurance Company. To file a claim directly with Federal Insurance Company, contact the Claim Administrator, Broadspire at 855-830-3720.

Follow these steps to file a claim

1. Within twenty-four (24) hours, the Insured Person must report any loss, theft or damage to the appropriate official representative such as the police or Common Carrier service. You will need to provide proof that you submitted a report to the Common Carrier, so please keep a copy of the report your records.
2. Written claim notice must be given to Bank of America within forty-five (45) days of the date your baggage was lost, damaged, or stolen or as soon as reasonably possible. Failure to give notice within forty-five (45) days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. 
3. When Bank of America, receives notice of a claim, they will send you forms for giving proof of loss to them within fifteen (15) days. If you do not receive the forms, you should send Bank of America a written description of the loss.
4. Bank of America will pay you the applicable Benefit Amount within sixty (60) days after they receive complete proof of loss and you have complied with all the terms of this policy.

Payment of this benefit is subject to Bank of America receipt of satisfactory proof of loss. Proof of loss includes, but is not limited to:

• a copy of the Account statement showing the Common Carrier fare charged;
• copies of receipts for the purchase of replacement items
• a copy of receipts for the purchase of replacement items
• a copy of the initial claim report submitted to the Common Carrier;
  proof of submission of the loss to, and the results of any settlement by, the Common Carrier; proof of submission of the loss to, and the results of any settlement or denial by, the Insured's personal insurance carrier(s)
• if no other insurance is applicable, a statement from the Insured to that effect
  Specific questions and requests for a claim form may be submitted to the Plan Administrator at the following address:

cbsi Card Benefit Services

550 Mamaroneck Avenue, Suite 309

Harrison, NY10528

Account means the commercial credit card account issued by Bank of America.

Actual Cash Value means the cost to replace the lost or damaged personal property at the time of loss, less depreciation.

Cardholder means an individual to whom a commercial credit card Account has been issued by Bank of America.

Carry-On Baggage means suitcases or other containers specifically designated for carrying personal property, for which a claim check has been issued to the Insured by a Common Carrier by the Insured.

Checked Baggage means suitcases or other containers specifically designated for carrying personal property, for which a claim check has been issued to the Insured by a Common Carrier.

Common Carrier means any land, water, or air conveyance operated under a license for the transportation of passengers for hire.

Company means Federal Insurance Company.

Insured Person means the eligible Cardholder, the Cardholder's spouse and unmarried dependent children, and person(s) employed by the company for which the Account is issued. Insured Person also means person(s) employed by or authorized by the company for which the Account is issued and for whom a ticket was purchased using the Account.

We, Us and Our means Federal Insurance Company.