kung wala kang compre insurance at kapag nagpa-rehistro ka ng oto syempre kailangan meron ka ng TPL di ba.

My question is who dictates the rates of the TPL? LTO ba? or the rate depends on the insurance company kung saan mo kukunin yung TPL?

May narinig kasi ako na tsismis na nagtaas na daw ang TPL, anybody can confirm this?

Thanks