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You will have to check with your automobile insurance company as to whether your policy includes coverage for international car rentals. It`s not a common option, but it could exist. Be sure to check with your credit card company as to whether they offer coverage when you use your card to make the rental - many `gold` cards and the like do include automatic car rental insurance. Making claims through your credit card can be a pain, but it can save you a lot of money, and give you more comprehensive insurance than most Central American car rental agencies offer. For example, it is rare to find rental insurance in CA with `zero-deductible` options, whereas your credit card might offer this.

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You should check with your provider. Some companies won`t cover you in a foreign country and if you`re driving from the US all the way to Panama , you should definitely make sure you`re covered.