Insurance Claims very Slow

[jay1005]

My brother's 2015 Honda City was released (from Honda Q.Av.) on Dec 20, 2014 and while on their way from Tagaytay on morning of Dec 23, they got hit by a Toyota HiAce van. All of them four escaped the accident with minor bruises and except my brother's fiancé that got a 2-inch stitch sa forehead. Driver of van was comatose for several weeks and undergone surgery. Now, d na namin makontak yung wife ng driver na nakuha namin ng phone number.
As per investigation ng police doon sa scene, maliwanag na kasalanan ng van. Mabuti hindi sa mga gas pumps tumama yung sasakyan ng bro ko kundi disaster sana.
Since holiday na mga araw na yun kaya pinatow na lang namin yung car to casa.
The SA advised my bro na it will take around 1.5 to 2 months sa pagprocess sa claim, casa will evaluate first the extent of the damage before they will decide whether to be repaired or to be replaced.
Last week, Casa updated us na "if less than 70% of total cost damage ng sasakyan, kukunin na ng bangko (BPI) yung unit then kuha na lang ng bago. Then up us to get another car. Otherwise, it will take a lot of time na i-fix nila kasi magdedepende pa sila sa availability sa pyesa ng sasakyan."
Til now, waiting pa rin ang Honda Q. Av sa issuance ng BPI (BPI din kasi ang Insurance) ng go signal to dismantle the car for inspection and evaluation. Later on magformulate si honda ng quotation, which is yet to be verified again by bpi. Then by that time we are able to know if either for repair or kunin na ng insurance yung sasakyan on the basis of that 70% total damage.
Sabi pala ng Honda, wala pa daw Policy Contract ng sasakyan noong nirelease nila, bat ganun?
Questions:
1. Ano po yung 70% of total damage?
2. D po ba saklaw ng comprehensive insurance yung medical/ hospital expenses like CT Scanning, Medicines, Admission, etc.
3. Nasa 10000 ang towing fee from Tagaytay to Honda Quezon Av, pero 3500 lang binalik ng insurance.
4. Where or whom to consult for these cases if arguments arise?