Need TPL Insurance Refund Info...

[FuRrBaLL]

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Guyz,
I have this experience with a TPL insurance company here in Cebu. I don't want to expound much to what had happened but our car had an accident then nakaigo mi'g civilian sa sidewalk that needs to be hospitalized because of a fracture. To make the long story short, amo gipahospital nga nigasto mi'g 50K (plus meds and supplies) with no hesitation kay nagsalig man sad mi nga naay insurance nga mosupport. The problem here is that, it took 4 months before nilusot ang cheke, cge pa mi long distance sa manila and to our surprise the refund was only 10K. The reason of their office here in Cebu kay naa daw percentage sa total expences namu.
Kung kinsa tong naay info about TPL stuff, ingon ani ba jod ni siya? Was the 100K limit for show lang sa mga TPL companies? Nikuha gani ta'g TPL para just in cases of accidents naay makasupport ug gasto. Dili man sa ingon nga kay naa bitaw TPL, pataka lang tah. Kay kung ingon ani diay ang way, maypa walay TPL.
Or maybe, naa joy mga TPL companies here in Cebu nga nindot ug reputation. If so, please tell me para mobalhin koh.

[UrbaNo]

u got pm'ed

[FuRrBaLL]

u got pm'ed

i got your PM bro...but my question is, are there insurance companies nga mohatag ug 100% refund sa naspend namu? Or ingon ani jod ni tanang insurance company nga for "show" lang nang gibutang nga Php100,000 maximum benefit.
Ako nya ipost ang breakdown soon. But based sa ila breakdown, so kinahanglan pa diay nga mas grabe pa sa bali ang dapat madawat sa biktima para makuha namu ang 100K nga benefit?

[UrbaNo]

ako ask ako paps about ana.. reply u soon..