What To Do If You Have An Auto Accident in Panama

One of the most dangerous things you can do in Panama is drive! Some roads are very narrow and have deep gutters on each side. Drivers in Panama don’t always pay attention to their surroundings so you need to be extra careful anytime you are driving in Panama.

In late February, I was driving my gardener home. There is one section of the road that is narrow and a blind curve. After living in Panama for 11 years, I know to go slow in that area because you can’t see what’s around the corner. As I was rounding the curve, a huge truck was coming right at me in my lane. He was passing another car! There was nowhere to go to avoid the pending impact.

It was my first time to have an auto accident in Panama and the second time to have an accident in my whole life.

Luckily, no one was seriously hurt but my car was so messed up it could not be driven. The driver’s side door could not be opened so I had to climb out of the car on the passenger side.

The FIRST thing you need to do when you have an accident is to call the police to come to the scene to do an accident report. If you don’t speak Spanish, there are emergency helplines you can subscribe to who will make the call for you.

The SECOND thing you need to do is call your insurance agent or your insurance company. When you get insurance in Panama, they give you a sticker to put on your car with their phone number, or you can just keep it stored in your contacts. I contacted my insurance agent using WhatsApp then the agent contacted the insurance company

The THIRD thing you need to do is take a lot of pictures and videos of the accident scene. You need to take pictures of the damage to the car, but it’s also very important to take photos of the position of the car. (this will come in handy later)

The FOURTH thing I did was call a Panamanian friend (he is also one of our Private Tour Guides) to come to the scene. I knew he had experience with auto accidents and could guide me in the process. Even though I speak enough Spanish to get by just fine, I know that in a stressful situation, I would not be able to comprehend “muy rapido” Spanish. The chances of getting a police officer who speaks English are slim to nothing. It’s a good idea to have a list of people you can contact just in case you have an accident.

DO NOT MOVE YOUR CAR until the police tells you to. The police needs to see the position of the cars for the accident report. I could not move my car because it was so damaged. The guy who caused the accident did move his car probably so the police could not see the position of his car.

The police officer arrived about ten minutes after the accident occurred. She took pictures of the accident scene and asked for everyone’s driver’s license and auto insurance. She took pictures of the documents with her cell phone.

You are required to have auto insurance in Panama and keep proof in your car. I have full coverage insurance for my 2018 Sante Fe for about $600 a year.

The police filled out an accident report and asked each of us to write what happened. (It’s ok to write it in English if you don’t know Spanish)

The guy who ran into me did not have insurance in his car. If you don’t have insurance, the police will have your car towed and impounded. The guy said the insurance was at his house. Surprisingly, the police let him go to his house to get his insurance papers. But when he came back, about 40 minutes later, the insurance was just issued so he really did not have insurance at the time of the accident. Apparently, his insurance had expired and he called to renew when he went home.

Once the accident report was finished, the officer gave each of us a slip of paper to appear at court about a month later. If no one claims responsibility for the accident, even when it is obvious who is at fault, you are required to go to court. More about my court date later.

Then the police officer said I should move my car. I climbed back into the driver’s seat and started the car but it could not be driven or moved. A man who lived down the street who came to the accident scene went to his house to get his truck and some cable to drag my car out of the way.


My insurance company called several times while I was still at the accident scene. They wanted to know if I was ok and said they would send an “inspector” to the scene to determine if a tow truck was needed.

About an hour after the accident, the inspector showed up to determine that the car needed to be towed.

Three hours after the accident, the tow truck showed up. Insurance had sent me a list via Whatsapp of authorized places to get the car towed to.

My Panamanian friend drove me home. My neighbor, Liz, brought over a bottle of wine!

The next day, I called a car rental company who came to my house to pick me up. My insurance company pays for a basic car rental if you’ve had an accident.


My insurance agent and her son asked if they could come to my house to explain the procedure after an accident.

They said because the guy who ran into me did not claim responsibility, so it would be up to the Judge after court to decide who pays the deductible and which insurance company has to pay for repairs/replacement. She said even when it is very obvious, the person at fault rarely claims responsibility. Meanwhile, the car repair place could not do anything to start evaluating if the car could be repaired or what the cost would be.

It was going to be a month before I went to court and my insurance agent said it could be 2-3 weeks after that before we got a determination from the Judge about who was at fault.

Alternately, I could pay the deductible now so the car repair place could get started determining the cost of repairs. Then I’d be reimbursed once the Judge determined that it was not my fault. Because I’m over 60 years old, I get 50% off deductibles with a Pensionado Discount. So, I paid the $520 deductible.

My insurance agent also said that if the repairs were less than 60% of the car’s value, the insurance company would pay for repairs. But if the repairs cost more than 60% of the value, the car would be total the car and I would receive a check for the value. I still don’t know what the repair costs will be.

The insurance company assigned an attorney to represent me in court. I received several emails from them prior to my court date.


Evidence! Despite that I had sent all photos and videos of the accident to my insurance agent and the attorney, I thought it would be a good idea to take in printed photos to court too. So, I sent the accident scene photos to a print shop and asked them to print them at 8.5 x 11 in color then laminate them so I could take them to court.


The accident occurred in Boquete so I went to court in Boquete.

I arrived about 15 minutes early because I didn’t know how long it would take to find parking and had no idea where the office was located. My attorney sent a whatsapp that he would arrive at 11. Surprisingly, “court” started right on time at 11. The guy who ran into me showed up a few minutes late. He did not have an attorney.

I was thinking that it would be some big court room with a Judge presiding but it was just a 6’ x 6’ office with a young guy there to write down what each party presented. The office did have amazing views.

First, my attorney showed the police report with a diagram of where the cars where positioned that clearly showed that the other car came in to my lane then ran in to me. Then the attorney read my report, in Spanish.

My attorney asked me to show the photos that I had and I explained each photo including the one that showed where my car was at the time of impact.

Then the other guy told his story and claimed that I came in to his lane and ran in to him. The young guy presiding asked if he has any photos to prove his case. He said they were on his other phone that he left at home (seems to be a pattern with this guy)

My attorney explained that my photos and the police report clearly show that he came into my lane and that he ran into me.

The statements were all typed up by the young guy in the office. He printed the statements then put them in a folder along with the police report and police diagram and my photos. He said everything would be given to the Judge who would determine who was at fault. We should have a verdict back in 2-4 weeks.

My attorney said it was obvious that I would win because of all the evidence we presented. I truly think the photos printed out are important even though the insurance company nor my attorney recommended that I bring photos.

Winning means that the other guy will have to pay my deductible and that his insurance company will have to pay for the repairs or replacement of my car.


I could still me many months before I get my car back or get a check to replace the car.
I’ll post an update to the final verdict and results when I have them.

I did not want to rent a car for 3-4 months so I decided to buy a different car a week after the accident.


Last week. two months after the accident, I got a call from my plumber to tell me that my car is ready. You read that right, my PLUMBER!

I told him the car repair place had not called me and my insurance agent had not notified me that my car is ready.

My plumber said he is good friends with the car repair place and he has been checking on my car every week. He told them to “take care of me” because I’m a nice lady!

I contact my insurance agent, and sure enough, my car was ready. I hired a friend to go pick it up for me. It looks like a brand new car. The car repair place did a really good job.

My neighbors asked if they could buy it so I sold it to them because I already bought a different car.

A week later, I got a notice from the attorney that the insurance company assigned to me that the judge ruled in my favor.

So, what does that mean?

My insurance company already paid for all the repairs. So, now they will be reimbursed for the repair costs from the other guy’s insurance company. I should be reimbursed for the deductible fee I paid.

Jackie Lange

Jackie Lange is the founder of Panama Relocation Tours and lives in the highlands of Boquete Panama. She has helped thousands of people relocate to Panama.

Reader Interactions


  1. Mike says

    Glad you weren’t injured.

  2. David Gehrlein says

    That is why I have a dash cam on the front and rear window of my car. You can get really good ones for less than $100.

  3. J. L Jenkins says

    I’m glad your ok, It seems you have covered all the bases and by taken pictures is a very good thing to do & a good tip in a situation like that seeing how it is being contested, good luck.

  4. T. C. says

    Good Luck. At least in the USA, If the insurance company checks the time of the accident against the time they renewed his insurance they will decline that the other driver was covered and not pay. It happened to me, my car was rear ended and the person signed up for insurance while we waited for cops to arrive. When I found out from her insurance company, many days later, I notified the cops and they wrote her a big $$$ ticket but that didn’t do me any good.


    That was truly a frightening accident! Cars can be repaired or replaced…you cannot! I’m so glad you (and the other guy) are okay. Thank you for chronicling this! I’ll be interested to know the verdict (even though I think it’s a no-brainer!)!

  6. Brett Fisher says

    Brett Fisher – Hello Jackie. We were aware that you had the accident and that you were both ok. As you have statement may times before things are different in Panama. Hope this resolves for you asap. We appreciate the continued insight into things from Panama. All the best.

    • Jackie Lange says

      Thanks Brett. Hopefully, the auto accident situation will be resolved soon.

  7. Victor Bostrom says

    Question, If he does not have insurance, would your insurance cover the repairs on the car? Is that why it is taking so long to get your car back? because the repair shop wants to make sure it’s going to get paid just in case the other person doesn’t have insurance?

    • Jackie Lange says

      if he does not have insurance, my insurance company will pay for the repairs or replacement of the car. Some things take longer in Panama.

  8. Terry Ashley says

    How is your gardener? Was he injured? The suggestion to get a dashcam is probably good advice. Since you drive only in daylight hours, mast any modern camera will work.

    • Jackie Lange says

      I hurt my wrist. That was the only injury anyone had.

      • Paul Jaeger says

        How does it work with the insurance if you got hurt during the accident, i.e in case your wrist was really broken, and you needed surgery and a cast, would they be paying for the medical expenses?

        • Jackie Lange says

          If you have health insurance in Panama, they will pay for your emergency care and surgery. Then the insurance company will go to the other parties insurance company to try to get reimbursed IF the accident was not your fault.

  9. A. S. says

    Gosh! You were very lucky coming out with no serious injury from a seemingly serious accident, though the wrist injury could develop and linger. I hope the judge will have the sense to see what is right and wrong and decide the verdict accordingly. Thank you very much for sharing your accident experience. Your information will be very helpful someday. It can happen to any of us. Look forward to reading the result in the near future. All the best.

  10. Marc says

    Thanks for the great article Jackie, I will keep this in mind if something like this ever happens. Interesting that the other party would pay for your deductibles (here in Quebec we have the no-fault, so each party pays for their own deductible, responsible or not). Happy to know you are safe. Keep up the good articles!

  11. Regenia Frazier says

    Jackie, I am so glad that you are OK. A car accident is a tramatic experience and I pray that it will all work out in your favor. Thank you for sharing with us what to do and what not to do in a situation like this. Actually, this is what you do for us in most situations regarding life in Panama, and for you I am grateful. God bless you!!!

    • Jackie Lange says

      Thanks Regina. I’ll keep reporting what life is like in Panama… good, bad, and ugly!

  12. Marek says

    Good luck Jackie. It is extremely upsetting experience and super-time consuming while having car accident involving the local. I heard too often stories about whenever “gringo” is involved, it is a green light for the local to claim whatever he wants, bring his own witnesses (who have never been at the scene), claim lost income at work, etc. etc.
    Good advice I heard few years ago and I closely follow: have dashboard camera, which automatically records whenever you drive. It is way better that after-fact photo.

    • Jackie Lange says

      the dash cam is a good idea. Luckily in 10+ years, I’ve never had an accident. Because witnesses are also required to stay on the scene to be interviewed by the police, it is not possible to bring witnesses to court who were not on the police report. So that fraud may have worked in the past but it does not work now.

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