Welcome to Kevin Bradley - Insurance in Panama
Wednesday, July 23 2014 @ 06:01 PM EDT

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Contact Info for Carmen, Ana, Kathia and Kevin

About UsKevin and his English speaking team are an integral part of the Ducruet Insurance Agency. If you need coverage for a Corporation or as an Individual, Kevin, Carmen and Ana Leidis are standing by to help with all your Panama insurance needs

Our location (DUCRUET) is in San Fransisco, near the end of Calle 50, turn left just BEFORE the light at Via Porras on calle 77E, shares corner with the Deli Gourmet, directly across from BANISTMO.

Here's a map to our office:

http://www.panama-guide.com/article.php/20070807110352369

To serve you better, our telephone numbers listed below are DIRECT lines. If we do not answer, we are away from the desk or if the call goes to voice mail, we may be talking on the line - leave a message or try again later.

Our contact info is:

* Kevin = kevin@ducruet.com 6674-1063 cel. 322-1603 direct
* Carmen = cdunkley@ducruet.com 6613-1063 cel. 322-1605 direct
* Ana = aperez@ducruet.com 322-1612 direct
* Kathia = kmartinez@ducruet.com 322-1316 direct

IMPORTANT NOTE: When writing to us remember, It's ducr"U"et don't forget the second "u" in your emails!
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Panama Burial at Sea!

General Panama InfoThis is an article written by Larry Shane, Acting Bocas Warden for the US Embassy in Panama:

You will die. Unfortunately, all of us, presently, do. You should choose the final arrangements for your body, in advance. This is not a burden you should leave to others to decide and handle for you. You likely have personal, religious, cultural, environmental, legal concerns regarding your disposal. Follow your concerns.

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Auto Accident in Panama?

Automobile InsuranceStanding in the middle of the road under the blazing sun or in pouring rain, horns beeping, traffic backing up.......all because you have just had a collision on the streets of Panama! BE PREPARED!

Here the basic procedures to follow after an automobile accident in the Republic of Panama. Based on my experience, interviews with Transito Police and Insurance Company Claims Adjusters, I would like to pass on the following suggestions.

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Panama Health Insurance

Health InsuranceExcellent Health Insurance coverage is available to protect you in the Republic of Panama. Injury or illness in a country far from home can be a very scary experience. If you are without proper health insurance or cannot demonstrate ability to pay at a local hospital, it can mean the difference between life and death. Imagine lying on a stretcher in the hallway, waiting for treatment, while proof of liquidity is confirmed.....many Expats have paid the ultimate price!

Hospitals, physicians and medical facilities in Panama are excellent. Most doctors have been trained in the USA, Canada or Europe and speak English. Private hospitals and medical professionals in Panama expect to be paid and will require some guarantee of payment before treatment. It is not uncommon for medical care to be denied by private hospitals. Without financial resources (cash/credit cards) or proper coverage, you may find yourself transferred from their emergency room to a Panama government facility. Panama citizens will have priority over your treatment.

If you have an existing "Home of Origin" health insurance.....

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Texting while Driving Killing More teenagers than DUI

Automobile InsuranceAccording to Angel Reyes, III, of RB&R:

Texting while driving now kills more teenagers than driving while intoxicated. Over 3,000 teens died in 2013 while they tried to send a text message when they were behind the wheel of a car. Approximately 2,700 teenagers died as the result of driving while intoxicated.

The Centers for Disease Control recently conducted a study, in which almost half of teenagers admitted to texting while driving.

Teens who admitted to sending and receiving text messages while behind the wheel also reported engaging in other risky behaviors as well. This includes driving under the influence of alcohol. Teenagers who texted while driving were five times more likely than others to drive after drinking. Young people engaging in the risky behavior were also found to be more likely to not wear seat belts.

In 2011, at least 23 percent of automobile accidents involved cell phones, totaling 1.3 million auto accidents over the course of a single year.

Teenagers are often more...
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How Long Will You Live?

About UsInteresting calculator from Northwest Mutual to give you an idea of how much time you may have left:

http://media.nmfn.com/tnetwork/lifespan/#0
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"Roadside Assistance" Stickers!

Automobile InsuranceMost every company issuing auto insurance in Panama offers emergency roadside attention for accidents and breakdowns.

The purpose of this article is to remind everyone who drives in our very "special" traffic to put the Roadside Assistance stickers on their windshields. If you suffer a mechanical breakdown, flat tire or collision. With the emergency Tel number easily in view, a call to your insurance company's "asistencia vial" service will bring help. Be sure to keep a copy of your auto policy in the vehicle, the company operator will ask for the policy number.

READ MORE and print this article!

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Panama Auto Ins. How to Apply?

Automobile InsuranceWe can cover your new car before you put the key in the ignition! In order to issue an automobile insurance policy, we will need the following information:

1. Year, make, model and $$$ value of vehicle-if you wish full coverage (Proforma Invoice helps).
2. Name of insured (Owner) and additional drivers? Is the policy to be issued in your name or that of a Corp. or Foundation?
3. Car registration, Copy of Passport, Ced, Divers license and residence address.
4. Tel #, Cel#, email address?
5. Vehicle inspection (at our office or ins. company), if it is a used auto. No inspection necessary if vehicle is new.

¨Persona Natural¨ form (if property is in your name) or Persona Juridica form (completed by legal rep. of Corp.). This is an "anti money laundering" form required for every Panama policy with over $300 premium (more bureaucratic BS that must be kept on file in our office) Fill in the sections identified as ¨Datos Generales¨ and ¨Datos Ocupacionales¨ and sign where it says ¨Firma del Cliente¨. We will be glad to help you complete in the form.

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Quoting "Structure" Fire Insurance in Panama!

Fire InsuranceSince we do not insure land, fire insurance is quoted for the "structure" based on the purchase price/appraisal or estimated reconstruction cost. Remember, in Panama we separate structure and contents policies.

The standard Panama "structure" fire insurance policy will usually include coverage for fire, explosion, lightning, earthquake, windstorm, debris removal, flood and water damage, common water damage, filtration and leaks, and other coverage.

In order to obtain a TENTATIVE quote for structure coverage we need:

1. $$$ value of structure (not including land). A recent "avaluo" (appraisal) and pics will help.
2. Name of insured (Owner)? Is the policy to be issued in your name or that of a Corp. or Foundation?
3. Exact address, street and town (name of Condo/Building and apt #). Type of Construction (Cement or Wood)? Rates differ by location (City, Beach, Island or Mountain?)
4. What is the proximity of the property to the ocean or a river?
5. Is the property exposed to landslide (close to a cliff or mountainside)? Landslide coverage requires an additional premium.

With this basic information, we should be able to send you an estimate by email or telephone......322-1605, 322,1612
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Quoting Homeowners "Contents" and Liabilty Insurance in Panama!

Fire InsuranceThe homeowner's multi-risk contents package includes all the coverage of a standard fire insurance policy, as well as, personal/general and fire legal liability up to $100,000. The multi-risk package also covers Employers liability (domestic employees) up to $20,000, Liability for Independent contractors and subcontractors up to $20,000 and Medical payments for third parties up to $5,000 per person /maximum of $25,000 in case of an accident in the premises.

This contents package includes coverage for break in with "forced entry" up to insured amount, assault inside and outside the residence; damages caused to the structure in case of break-in with forced entry; $250.00 reimbursement in case your credit card gets stolen; locksmith service in case of a domestic emergency; plumbing and electrical services, as well as many other coverages.

High ticket items such as paintings, sculptures , collectibles, art work and rugs must be listed separately. The inventory should include the make/model/year or description and the $$$ value of the item. Electronic equipment coverage is part of the package up to a specific limit. More expensive electronics should be listed separately.

In order to obtain a TENTATIVE quote for Muli-risk Homeowners contents coverage (including Liability), we will need:

1. $$$ value of the contents? Furniture, appliances, electronic equipment, artwork, jewelry?
2. Exact address of the residence (name of Condo and apt. #)? Name of the insured...should be issued in your name or name of renter.
3. What security measures does the building/property have? For example.....24 hours security guard, gate at the entrance, intercom, anti-theft alarm, steel doors or bars on windows?
4. Are you planning to rent the property to third parties? A special "renters" endorsement is available.

From this basic information, we will send an estimate by email or telephone...322-1605, 322-1612