In the Republic of Panama, your Automobile Insurance Coverage is only valid if you are driving with a current/valid drivers license. Please check the expiration date of your license. If you have been in Panama for more than 90 days, your foreign drivers license may not be considered as valid. You must obtain a Panama drivers license if you intend to live here or extend your visit beyond 90 days!
If you lend your vehicle to a friend, make sure they SHOW you their license…check the date of expiration (Fecha de Vencimento). Your friends, children, family etc. are covered, as long as they have your permission to drive the vehicle and a VALID Panama, USA, Canada, International etc. drivers license! I just checked my Panama license, it expires next month!