CAR INSURANCE – GENERAL GUIDELINES

PRESENTED BY:

RONEN T. CEASAR

PANAMA ESTATE INSURANCE SERVICES, INC.

COVERAGES:

* LESIONES CORPORALES / BODILY INJURIES

* DAÑOS A LA PROPIEDAD AJENA/ LIABITY INSURANCE

COVERAGES:LESIONES CORPORALES / BODILY INJURIESThird person medical bills from resulting injuries. Pedestrians, peopleinside other vehicle, etc…

COVERAGES:DAÑOS A LA PROPIEDAD AJENA/ LIABITY INSURANCELiability 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.

COVERAGES:GASTOS MEDICOS / MEDICAL EXPENSESDriver 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.

COVERAGES:COLISION / COLISSIONIf 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.

COVERAGES:COMPRENSIVO / COMPREHENSIVEIn 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.

FIRE INSURANCE -AN INTRODUCTION

PRESENTED BY:RONEN T. CEASARPANAMA ESTATE INSURANCE SERVICES, INC.

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

COVERAGES:

Gale / Hurricane,Cleaning costs, Changes, Modifications and

Additions, Damages by theft or attempted theft

of the property, Aesthetics restoration,

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.

DEDUCTIBLES:

Earthquake, Gale / hurricane, 2% of i/a, min USD 250.00

Water damage Flood,1% of i/a, min USD 250.00

Damage by malicious mischief,USD 250.00

POSSESSIONS (MRH) INSURANCE

PRESENTED BY:RONEN T. CEASAR

PANAMA ESTATE INSURANCE SERVICES, INC.

COVERAGE

Multiple-line insurance policy.Damage to your possessions(things you keep in the house)and your liability or legalresponsibility for any injuriesand property damage you ormembers of your family causeto other people. This includesdamage caused byhousehold pets.

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),

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.

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/.300.00 Max.),

Theft of jewelry, gemstones, watches and precious objects, by force and assault within the residence, (15% of the i/a, B/.3,000.00 max. For capital insured higher than B/.35,000.00),

Main insured's credit card theft, Assault out of home (personal items), B/.1,000.00 Annual Aggregate (Sub-Limit

B/.250.00 for money), Refrigerated goods, Electronic equipment (computers), including sub-limit for (10% of the i/a,

B/.3,000.00 Max.), -Mobile electronic equipment (portable computers ) within the Republic of Panama, including theft (10% of the i/a, B/.1,500.00 Max.),

Family civil liability USD 100,000.00-Fire legal CL B/. 100,000.00-Third party medical expenses B/.5,000.00 p/p B/.25,000.00 p/a-Independent contractors and sub-contractors B/.10,000.00 Annual-Household employees - Employer's B/.10,000.00 Annual

Personal accidents for the main insured (18 to 65 years) B/. 10,000.00 Burial expenses for the insured or dependents residing with him

DEDUCTIBLES: Earthquake, Gale / hurricane 2% of i/a, min USD 250.00 Water damage Flood: 1 – 2 % of i/a, min USD 250.00 – 1,000.00 Damage by malicious mischief, USD 250.00