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Insurance in Panama

Kevin Bradley

Welcome to Panama Kevin

The purpose of this site is to guide you to the lowest rates, best coverage and most professional insurance service in Panama.

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 Contact & Location

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.

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 “Whatsup” +507-6674-1063

IMPORTANT NOTE: When writing to us remember, It’s ducr”U”et don’t forget the second “u” in your emails!
About UsEmergency numbers: : Police 104; Fire 103; Health 911

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:

About Us

Kevin Bradley is a graduate of Texas A&M, lifelong resident of Panama and has been helping people with their insurance needs for more than 40 years. He is a bilingual, fully licensed Panamanian insurance broker, member of the National College of Insurance Brokers (CONALPROSE), Elks Lodge 1414 and an avid golfer.

Panama is a unique and wonderful country. Living here is not without risk. Don’t take risks buying insurance protection from non-licensed financial institutions. Banks are NOT authorized to sell insurance, neither are automobile dealers. Check with me before you add any insurance coverage to a mortgage or car loan. The purpose of this web site is to help friends and clients obtain access to my services online. With over 40 years experience as a fully licensed insurance broker, it is my mission to help solve your insurance problems. While I am associated with the The Ducruet Insurance Agency, a highly respected Insurance Brokerage Agency in Panama, this site has been designed for my English speaking customers.

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Automobile Insurance

Panama Auto Insurance

In Panama Auto policies, the "Liability" or "Responsabilidad Civil" portion protects you for damage that your car does to others…damage for which you are legally liable. This coverage pays for bodily injury that you may cause to other persons, as well as, legal defense, cost of bail bonds, and emergency first aid to others.
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Automobile Insurance

Panama safety “Get out of a sinking car”!

http://themindunleashed.com/2017/03/easiest-way-escape-sinking-vehicle-knowing-might-save-life-day.html
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Health Insurance

Using TRICARE in Panama and For Life Overseas!

Medicare provides coverage in the U.S. and U.S. Territories. Medicare doesn't provide coverage in any other overseas locations. When using TRICARE For Life in all other overseas locations, whether you live overseas or are traveling overseas, refer to this site:
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Health Insurance

Panama Health Insurance

Accidental 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..
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Life Insurance

Panama Life Ins. rates!

Here is an example of Life rates for term insurance in Panama. Yes, they may be higher than you can get online or in the USA, but the benefits will be payable in Panama with less hassle than going back to collect in the country where the policy was issued.
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Automobile Insurance

Panama Auto policy must be kept in your vehicle!

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 car’s 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".
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Fire Insurance

Panama Real Estate Appraisals!

Why 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.
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Automobile Insurance

How much $$$ is my Car Worth?

Although 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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Fire Insurance

Panama Fire and Homeowners residential coverage!

Emergency 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.
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Fire Insurance

Panama apartment explosion!

A 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;
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Fire Insurance

Carrasquilla Condo fire victims still Homeless!

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
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Automobile Insurance

Panama Driving History? Check for tickets!

This 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):
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General Panama Info

Panama Insurance Industry Outlook Stable

A very positive report about Panama's Insurance Industry: https://www.businesswire.com/news/home/20181214005514/en/Best%E2%80%99s-Market-Segment-Report-Panama-Insurance-Industry
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Fire Insurance

Panama Earthquake coverage?

Earthquake coverage is included in 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, filtration/leaks, and more.
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Auto Claims

Panama Transit Authority Accident Form!

The "minor accident " form is available on line. The law has been enacted, but for the moment I recommend that you do not move the vehicle until your Insurance Company "roadside assistance" representative arrives at the scene to guide you. Here is the link to the new "minor accident form" to be used in the event of a no-fault type of collision:
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Fire Insurance

Panama Fire Insurance for Structures

Fire Insurance policies for structures in the Republic of Panama are similar to those issued in the USA, Canada and Europe. The basic fire policy also includes extended coverage for occurrences other than fire. This may include damage from Explosion, Earthquake, Windstorm, Lightning, Smoke, Flood & Water damage,
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Automobile Insurance

Are you driving illegally in Panama? Do you lend your vehicle to friends or family?

Several insurance clients have communicated to me that the Panama Transito police have stopped them for an infraction or at one of the frequent roadblocks and asked them to provide various documents. In some cases, the vehicle was impounded for failure to produce a "valid" drivers license,
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Contact Us

My network is extensive, I have daily contact with most of the local and international insurance companies operating in this country. It is my personal commitment to see that my clients obtain fair and prompt settlement of all claims.

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