Welcome to Kevin Bradley - Insurance in Panama
Wednesday, August 15 2018 @ 02:59 AM EDT

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Contact Info for Carmen and Kevin

About UsEmergency numbers: : Police 104; Fire 103; Health 911

Kevin and the English speaking team are service representatives of the UnityDucruet Insurance Agency. If you need coverage for a Corporation or as an Individual, Kevin and Carmen are standing by to help.

It will be our pleasure to discuss Health Insurance, Life Insurance, Fire/Theft/Liability for your Condo/Home or Office. We are ready to provide assistance with all your Panama insurance needs....

Our location (UnityDUCRUET) 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 UnityDUCRUET San Francisco office:

https://www.google.com/maps/place/Unity+Ducruet/@8.9945876,-79.5045258,17z/data=!3m1!4b1!4m5!3m4!1s0x8fa59d74e7a52dcb:0x80c3f9a9c991593a!8m2!3d8.9945823!4d-79.5023371


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

Our contact info is:

* Kevin = kevin.bradley@unityducruet.com 6674-1063 cel. 322-1605 direct
* Carmen = New Policies/quotes (Speaks/Writes perfect English) maria.dunkley@unityducruet.com 6613-1063 cel. 322-1605 direct



Kevin - Skpe name: kbradley23

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 Driving History? Check for tickets!

Automobile InsuranceThis is a link to check your driving record here in Panama. You will need to have your drivers license handy to submit the control number (small numbers on lower right side):

http://www.licencia.com.pa/historial/historial.jsf
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Panama License ATTT Plate/Insurance Verification

Automobile InsuranceEffective June18, 2018 the ATTT authorities will be able to verify the validity of insurance policies through a compulsory traffic accident insurance Platform (SOAT).

To check that your vehicle insurance is valid and has been registered, you will need to access the platform, submit your cedula or passport number + ID Control no. on drivers license (small numbers on lower right side), enter the vehicle plate No. and confirm ATT has your valid insurance information.

Here is the link to complete the exercise:

https://pv.innovacion.gob.pa/validate/

If you do not obtain a positive result, you must contact your insurance company to renew the policy/pay the premium or have them validate that your policy is in force and corresponds to the license plate number. Failure to have your updated information on the SOAT platform may prompt the ATTT inspectors to tow away your vehicle.
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Carrasquilla Condo fire victims still Homeless!

Fire Insurance Emergency numbers: : Police 104; Fire 103; Health 911

Authorities are not allowing the residents of the condo to return to their apartments and have declared the building unsafe!

http://www.newsroompanama.com/news/panama/explosion-victims-may-remain-homeless

https://www.tvn-2.com/videos/noticias/Moradores-apartamento-Carrasquilla-regresan-casas_2_5056014369.html

Coverage is available in most Panama Multirisk contents policies to pay for a small percentage (15%) of insured amount when the residence becomes uninhabitable.

I have a $20,000 Multirisk contents policy for my condo and it will provide $3,000 to cover the expense of finding another residence.

http://panamakevin.com/article.php/20160513065817592
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Panama apartment explosion!

Fire InsuranceA recent Fire/Explosion affected the top floors of an apartment /condo building in the Carrasquilla district of Panama City. Several residents were seriously injured and there was extensive damage to the structure and contents. Cement does burn;

http://www.newsroompanama.com/news/panama/apartment-explosion-sends-four-to-hospital

https://www.tvn-2.com/videos/noticias/Moradores-apartamento-Carrasquilla-regresan-casas_2_5056014369.html

https://www.tvn-2.com/nacionales/Inician-investigaciones-explosion-edificio-Carrasquilla_0_5055244437.html

Here is a link to an article about basic coverage available here in Panama:

http://panamakevin.com/article.php/20160513065817592

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Panama Fire and Homeowners residential coverage!

Fire InsuranceEmergency numbers: : Police 104; Fire 103; Health 911

Did you know that insuring your Panama property investments is one of the best bargains available?

Here in Panama, we insure building (structure) and the contents under separate policies at very reasonable rates.

The Ducruet fire insurance structure policy includes coverage for fire, explosion, earthquake, windstorm, flood and common water damages/filtration/leaks (this coverage is required for every mortgage issued from a Panama bank).

The Ducruet Homeowner's multi risk "Contents" package includes Fire coverage described above, as well as,Theft and Personal/General fire legal liability.

There is also $$$ available to cover a temporary residence, if the property is uninhabitable. Usually 15% of the amount insured.

Theft coverage is for break in with forced entry, as well as, assault inside and outside the residence. The damage caused to the structure in case of break-in with forced entry is covered under this theft provision. Theft and damage to Electronic Equipment is also part of the package.

Here is a tool to help you determine how much "stuff" you own:

http://www.dfs.ny.gov/consumer/homeown/home_invchklst.pdf


Liability coverage extends to damage you may cause to your neighbors property from a fire or water leak initiating in your residence. If a third party is injured on your premises, there is Medical payments coverage and legal assistance.

This multi risk residential Homeowners package has added benefits including reimbursement for stolen credit cards, locksmith service, plumbing and electrical services in case of a domestic emergency. Some packages include ambulance service, free medical consultation and coverage for PETS.

How Much?

More.....
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Panama Earthquake coverage?

Fire Insurance
Earthquake coverage is included within most Panama Fire Insurance policies. We separate "structure" and "contents" policies that usually include coverage for fire, explosion, lightning, EARTHQUAKE, windstorm, debris removal, flood and water damage, common water damage, filtration and leaks, and more.

The deductible for loss as a result of an earthquake is 2% of the sum insured with a minimum of $250.00.

To receive custom quote for your structure or contents, call us, Kevin 6674-1063
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How much $$$ is my Car Worth?

Automobile InsuranceAlthough most vehicles sold in Panama do NOT have US specs, you must still consider the import duties when assigning an agreed value to your automobile.

Visit these sites to get an idea of the current value of your vehicle. I use 33102 (Miami) as a Zip Code.

To obtain a custom designed quote after you calculate the $$$ value of your vehicle, email us or call.....Kevin 6674-1063
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Panama Real Estate Appraisals!

Fire InsuranceWhy should I get an appraisal of my home or condo in Panama?

Fire insurance policies have an 80% coinsurance clause that will affect the $$$ amount you receive in the event of a claim for a fire or covered loss. You must insure the property for at least 80% of the actual $$$ value to receive 100% of the amount of total or partial claim.

For example: Panama Condo valued $500,000, insured for $250,000 (less than 80%)....suffers a loss of $100,000...80% coinsurance penalty for UNDERINSURANCE applied, will be paid $50,000 (50%)...."underreporting penalty" because you insured for 50% of the value.

If your Panama Insurance coverage is issued based on an appraisal from an authorized professional (I have the guy) for at least 80% of the $$$ value....you should not have a problem collecting 100% of any claim!

Prevent InfraSeguro....Get an appraisal!!!!

The following article by Silvia Merida Pellicer of Gogetit.com is a very clear, concise guide to the need for property appraisals here in Panama:

https://www.gogetit.com.pa/blog/real-estate-appraisals/

For a customized quote for Fire insurance Coverage of the "structure or contents" of your property or a need certified, professional appraisal, call us!

Carmen 322-1605 or email: maria.dunkley@unityducruet.com or Kevin 6674-1063


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Panama Auto policy must be kept in your vehicle!

Automobile Insurance According to a local news source: "Beginning in February, police and traffic inspectors will be testing a technological program to verify the status of a carís insurance policy and soon reporting an accident will be automated. Traffic cops will enter the license plate number into a mobile unit and the system will indicate if the car has a VALID policy something that is mandatory by law. If the car does not have a current policy it will be TOWED".

Based on article 236-A of the Panama traffic regulations, from April 3, 2017 the ATTT, be warned that if you do not have your insurance policy in the vehicle and are involved in an accident, they will impose the fine of 100 dollars. For a routine traffic stop, failure to produce a current policy can result in a fine of 50 dollars. Both infractions may result in towing/removal of the vehicle. Please check that you have a current automobile policy in your vehicle!

Lately, I have experienced delays receiving policies from various insurance companies, but we are trying to keep on top of the problem. Please check the renewal dates and call your broker to obtain a current copy of your automobile policy.

Remember to check the "fecha de Vencimento" of your drivers license, Panama Auto Insurance is not valid while driving with an EXPIRED drivers license!

* Kevin = kevin.bradley@unityducruet.com 6674-1063 cel. 322-1605 direct
* Carmen = New Policies/quotes (Speaks/Writes perfect English) maria.dunkley@unityducruet.com 6613-1063 cel. 322-1605 direct