Been a while since I posted here. My girlfriend was involved in an accident as a passenger on a motorcycle. She was with a coworker friend and they were following another pair of coworker friends on another motorcycle. She was wearing a helmet, but it was damaged in the crash, and the bike landed on her. The driver of her motorcycle was trying to overtake another vehicle on a corner on a hill. She's suffered some head trauma, resulting in some blood clots in her brain. She's recovering and they started physical therapy at SUMC. Her sister says that Philhealth might not cover it, because the driver of the motorcycle is not licensed. (Is this true?) Her sister is going to the Pamplona police station to get the accident report because they will need it to file the insurance. But they are almost certain that it won't be covered because the driver was unlicensed and left the hospital without filing philhealth. I don't know if that means they paid cash, or what? But, I'm just happy she's alive and able to recover. Just uncertain about the insurance situation. She has it, but it sounds like it might not be covered due to circumstances that I don't think she could have anticipated. As far as I'm concerned, I think the driver is liable regardless of whether they have a license or not. But I know things work differently in the Philippines. It'll probably all fall on her in the in the end, which, ultimately will mean I'll probably have to cover it, because I know she has no savings to speak of. She works for a call center from home. (I wonder how forgiving they are for her missing work?) I guess we'll find out.