Dear Andrew,
I can’t guarantee that you won’t have any trouble, of course, but I have never heard any horror stories from friends or acquaintances. I use National Car Rental here in Panama City and/or David and have never been overcharged (touch wood!) I always take every bit of insurance offered, despite the additional expense. Make sure you listen carefully to instructions…they’ll usually tell you in order to be covered you must call them to report any little thing, as well as reporting with traffic police immediately.
I hope you have a good experience, please share your experience if possible.
Regards,