^
The other 2 questions are pretty standard.
The words "create your own damage" is the key here. You will intentionally damage the car to claim insurance para madamay yung isa pang sira sa pagawa? From what i see, ts might not want to pay 2 participation fee dahil magkahiwalay na incident yung papagawa nya at yung isa pang gusto nya idamay. Maybe ts can debunked this as he has been silent since starting this.
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The term na "padamihin mo na lang gasgas tsaka pagawa" is referring typically on the same panel. Not on a different panel.
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