I had a worst experience with TPL Insurance, first of all they will never give you the documentation proof of what they are saying in case of accident.
In case of your luck, they provide you the document proof, it won't be proper documentation, no signatures no paper format.
Their business process is always hidden and they will never give you 'Kar for Kar' option because they will first give you false promises and then they will go away from their promises.
Very non-professional guys especially Islamabad office.