CAR INSURANCE GENERAL GUIDELINES

Transcription

1 CAR INSURANCE GENERAL GUIDELINES PRESENTED BY: RONEN T. CEASAR PANAMA ESTATE INSURANCE SERVICES, INC.

2 COVERAGES: * LESIONES CORPORALES / BODILY INJURIES * DAÑOS A LA PROPIEDAD AJENA/ LIABITY INSURANCE

3 COVERAGES: LESIONES CORPORALES / BODILY INJURIES Third person medical bills from resulting injuries. Pedestrians, people inside other vehicle, etc

4 COVERAGES: DAÑOS A LA PROPIEDAD AJENA/ LIABITY INSURANCE Liability insurance covers you in the event you are at fault of a covered car accident. Liability insurance will cover the cost of repairing any property damaged by an accident.

5 COVERAGES: GASTOS MEDICOS / MEDICAL EXPENSES Driver and occupants inside the vehicle. This feature provides a limited amount of coverage for you and your passengers medical expenses as a result of an accident. The coverage pays regardless of who is at fault.

6 COVERAGES: COLISION / COLISSION If you re in an automobile accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle, subject to a deductible.

7 COVERAGES: COMPRENSIVO / COMPREHENSIVE In the event of a tree or a tree limb falling on your car (risks not involving an automobile collision), this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible.

8 FIRE INSURANCE - AN INTRODUCTION PRESENTED BY: RONEN T. CEASAR PANAMA ESTATE INSURANCE SERVICES, INC.

9 COVERAGES: Fire and/or Lightning strike, Smoke or soot, Explosion, Impact Debris removal, Earthquake,

10 COVERAGES: Gale / Hurricane, Cleaning costs, Changes, Modifications and Additions, Damages by theft or attempted theft of the property, Aesthetics restoration,

11 COVERAGES: Damage to electrical installations of the property, Errors or omissions, Water damage, Flood and water damage caused by spill or leakage of fire fighting installation, Fire due to public riots, Looting and Property Damage by malicious mischief.

12 DEDUCTIBLES: Earthquake, Gale / hurricane, 2% of i/a, min USD Water damage Flood, 1% of i/a, min USD Damage by malicious mischief, USD

13 POSSESSIONS (MRH) INSURANCE PRESENTED BY: RONEN T. CEASAR PANAMA ESTATE INSURANCE SERVICES, INC.

14 COVERAGE Multiple-line insurance policy. Damage to your possessions (things you keep in the house) and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

15 Fire and/or Lightning strike, Smoke or soot, Explosion, Electrical Damage, Impact of aircraft or land vehicles or objects falling from the sky, (trees or branches, antennas or poles), Sonic Detonation, Debris removal, Earthquake, Gale / Hurricane, Cleaning costs (5% of the i/a),

16 Changes, Modifications and additions (10% of the i/a), Damages by theft or attempted theft of the property (5% of the i/a), Aesthetics restoration (5% of the i/a), Damage to electrical installations of the property (80% of the damages), Errors or omissions, Water damage, Flood and water damage caused by spill or leakage of fire fighting installation, Fire due to public riots, Looting and Property Damage by malicious mischief.

17 Emergency lock expenses, Extraordinary expenses (hotel, restaurant and laundry), Loss of baggage, Breakage of crystals, mirrors, glasses, lunettes, acquariums or terrariums (exterior or interior), Security guard, Reconstruction of gardens, Property outside the residence, Cash theft, by force and assault within the residence, (5% of the i/a, B/ Max.),

18 Theft of jewelry, gemstones, watches and precious objects, by force and assault within the residence, (15% of the i/a, B/.3, max. For capital insured higher than B/.35,000.00), Main insured's credit card theft, Assault out of home (personal items), B/.1, Annual Aggregate (Sub-Limit B/ for money), Refrigerated goods, Electronic equipment (computers), including sub-limit for (10% of the i/a, B/.3, Max.), -Mobile electronic equipment (portable computers ) within the Republic of Panama, including theft (10% of the i/a, B/.1, Max.),

19 Family civil liability USD 100, Fire legal CL B/. 100, Third party medical expenses B/.5, p/p B/.25, p/a -Independent contractors and sub-contractors B/.10, Annual -Household employees - Employer's B/.10, Annual Personal accidents for the main insured (18 to 65 years) B/. 10, Burial expenses for the insured or dependents residing with him

20 DEDUCTIBLES: Earthquake, Gale / hurricane 2% of i/a, min USD Water damage Flood: 1 2 % of i/a, min USD , Damage by malicious mischief, USD

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