A. Optional Coverages in Panama are:
Deductible Damage Waiver (DDW)
Additional and complementary to PCM coverage. It exempts the customer from paying the deductible ($ 2,000) of the rented car in case of an accident with another vehicle in motion, provided they comply with the provisions Coverage Collision and Theft. It also covers damages to the tires and/or rims of the rented car caused by blowouts or cuts (Luxury rims not included). Limited to cases of impacts against pavement or sidewalks or roads in poor condition. It also covers the front windshield by chipping and cracking due to unpredictable forces of nature, but not in case of vandalism.
Super Damage Waiver (SDW)
Supplemental coverage to PCM. It includes the same elements of SDW and additionally covers overturning, collision and fugue (provided that the customer present the respective complaint to the DIJ) and it also covers up to $400.00 in damages such as collision with stationary object in public areas and places authorised by the ATTT for issuance of the police report (Does not include collisions with animals, people or fortuitous events affecting the vehicle body such as falling objects, paint, cement etc.)
Third Party insurance coverage or Liability – No declinable (SLI)
Cover damage caused by our car to third parties or persons and / or private property. This coverage applies only if the customer has declined the basic plan (PCM), and has presented proof of having insurance for rental cars in his/her credit card, or has purchased third-party insurance online that covers all damages to third parties covering the rental vehicle. This package covers up to $ 20,000 if you comply with what is stated in the contract.
Increase of Third Party Liability up to $ 300,000 (ILP)
This coverage is available only in conjunction with SLI or PCM. Increases the limit of liability required from $ 25,000 up to $ 300,000.
OFFER ADDITIONAL COVERAGE
Full Coverage Insurance (CCA)
For insurance-customers only. Covers any damage or incident caused to the vehicle during the rental period up to the amount of $ 2,000.00 but does not include payment of deductible. It also includes ERA and free up grade.
Coverage Roadside Assistance (ERA)
This program eliminates any cost of roadside assistance. Covers:
- “Battery Charge” or discharge ignition battery, tire changing assistance assistance (excluding the rim itself or damage)
- Lost Key: opening the vehicle in case of not having the key (does not cover replacement of the cylinder)
- Tow in cases of immobility, up to $ 150.00.
This plan is completely optional, but highly recommended to avoid extra costs should you need road assistance.
Personal Protection Package (PPC)
Covers medical expenses in case of an accident for passengers of the rented vehicle (according to the seating capacity of the vehicle). The maximum amount to be covered for each passenger is $ 1,000 (One thousand dollars). This coverage also includes a life insurance policy for the main driver and the occupants in the event of accidents. The life insurance policy for the main driver is $ 25,000 (Twenty five thousand dollars) and their passengers $ 10,000 (Ten thousand dollars). Personal items up to $ 500 per person (excludes electronics, jewelry, cell phones etc.) customer must present evidence or lost-item statement and must file the complaint before the authorities in a time period not exceeding 24 hours. It also includes medical expenses for traffic accidents in the rented vehicle during the rental period stipulated in the contract. These medical expenses will be reimbursed once the customer submits the report and the bill collision.
Emergency Travel Services / Emergency Travel Services (ETS)
A. ETS offers a settlement and payment of all expenses to transport you by any means necessary, to a hospital or medical-care center, including your country of origin or destination.
Legal Fees in Tickets (LFT)
A. Includes legal representation at hearings and the attorney’s fee whose regular cost is $ 150.00. It covers the payment of regular-traffic violations and parking tickets. It does not cover any expenses in case of negligence such speeding or talking on the phone while driving, driving under the influence of alcohol or any other illicit substance, or occupying a parking space for disabled persons.
Full Coverage Package (PFC)
Includes the same benefits as in PCM + SDW + ERA + ETS + LFT at a more comfortable price, and addition it covers minor bumps and tears caused to the vehicle.
Note: The customer must present police report in order to be exempted.