Lost Luggage Reimbursement

How do I benefit from Lost Luggage Reimbursement*?
When You pay for the entire cost of Common Carrier tickets with your eligible Visa Signature card, You will be eligible to receive reimbursement for your checked luggage, carry-on luggage, and its contents for the difference between the "value of the amount claimed" and the Common Carrier's payment, up to $3,000 per trip (in New York, coverage is limited to $2,000 per bag for New York residents), provided the luggage was lost due to theft or misdirection by the Common Carrier. The "value of the amount claimed" is the lesser of the actual purchase price of the item(s), the actual cash value of the item(s) at the time of theft or misdirection with deduction for depreciation, or the cost to replace the item(s). The Eligible Person must take all reasonable means to protect, save, and/or recover any carry-on property at all times. This reimbursement is supplemental to and excess of any valid and collectible insurance and/or possible reimbursement from any other source.