Insurance Case List
Content
INSURANCE LAW
First Semester, A.Y. 2015-2016
Atty. Odessa Grace E. Gonzaga
I. CONSTRUCTION OF INSURANCE CONTRACT
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
Virginia Calanoc vs. Court of Appeals and the
Philippine American Life Insurance Co., G.R. No. L8151, 16 December 1955
Emilia T. Biagtan, et al. vs. The Insular Life
Assurance Company, Ltd., G.R. No. L-25579, 29
March 1972
Finman General Assurance Corporation vs.The
Honorable Court of Appeals and Julia Surposa,
G.R. No. 100970, 02 September 1992
Zenith Insurance Corporation vs. Court of Appeals
and Lawrence Fernandez, G.R. No. 85296, 14 May
1990
Sun Insurance Office, Ltd. vs. The Hon. Court of
Appeals and Nerissa Lim, G.R. No. 92383, 17 July
1992
Jewel Villacorta vs. The Insurance Commission and
Empire Insurance Company, G.R. No. L-54171, 28
October 1980
Figuracio vda. De Maglana, et al. Vs. Honorable
Francisco Z. Consolacion and Afisco Insurance
Corporation, G.R. No. 60506, 06 August 1992
Perla Compania de Seguros, Inc. vs. Court of
Appeals, et al., G.R. No. 96452 May 7, 1992
Armando Geagonia vs. Court of Appeals and
Country Bankers Insurance Corporation, G.R. No.
114427, 06 February 1995
Fortune Insurance and Surety Co., inc. Vs. Court of
Appeals and Producers Bank of the Philippines,
G.R. No. 115278, 23 May 1985
Regina L. Edillon vs. Manila Bankers Life Insurance
Corporation, G.R. No. L-34200, 30 September
1982
Perla Compania de Seguros, Inc. vs. Honorable
Court of Appeals and Milagros Cayas, G.R. No.
78860, 28 May 1990
Mapalad Aisporna vs..The Court of Appeals and
People of the Philippines, G.R. No. L-39419, 12
April 1982
White Gold Marine Services, Inc. vs. Pioneer
Insurance and Surety Corporation and Steamship
Mutual Underwriting Association (Bermuda) Ltd.,
G.R. No. 154514, 28 July 2005
Republic of the Philippines vs. Sunlife Assurance
Company of Canada, G.R. No. 158085, 14 October
2005
Philam Care Health Systems, Inc. vs. Court of
Appeals, G.R. No. 125678, 18 March 2002
Commissioner of Internal Revenue vs. Lincoln
Philippine Life Insurance Company, G.R. No.
119176, 19 March 2001
Republic of the Philippines vs. Del Monte Motors,
Inc., G.R. No. 156956, 09 October 2006
II. PERFECTION OF INSURANCE CONTRACT
19. Rafael Enriquez vs. Sun Life Assurance Co. of
Canada, G.R. No. L-15895, 29 November 1920
20. Great Pacific Life Insurance Co. vs. Court of
Appeals, G.R. No. L-31845, 30 April 1979
21. Development Bank of the Philippines vs. Court of
Appeals & the Estate of the late Juan B. Dans, G.R.
No. L-109937, 21 March 1994
22. Philamcare Health Systems, Inc. vs. Court of
Appeals, et al., G.R. No. 125678, 18 March 2002
23. Gulf Resorts, Inc. vs. Phil. Charter Insurance
Corporation, G.R. No. 156167, 16 March 2005
III. SUBROGATION
24. Malayan Insurance Co., Inc. vs. Court of Appeals,
G.R. No. L-36413, 26 September 1988
25. Manila Mahogany Manufacturing Corporation vs.
Court of Appeals & Zenith Insurance Corporation,
G.R. No. L-52756, 12 October 1987
26. Pan Malayan Insurance Corporation vs. Court of
Appeals, Erlinda Fabie & her Unknown Driver G.R.
No. 81026, 03 April 1990
27. Cebu Shipyard and Engineering Works, Inc. vs.
William Lines, Inc. & Prudential Guarantee and
Assurance Company, Inc. G.R. No. 132607, 05 May
1999
28. Delsan Transport Lines, Inc. vs. Court of Appeals,
et al., G.R. No. 127897, 15 November 2001
29. Federal Express Corporation vs. American Home
Assurance Company, et al., 18 August 2004
30. Aboitiz Shipping Corporation vs. Insurance
Company of North America, G.R. No. 168402, 06
August 2008
IV. INSURABLE INTEREST
31. Sps. Nilo Cha and Stella Uy Cha and United
Insurance Co., Inc. vs .Court of Appeals and CKS
Development COrporation, G.R. No. 124520, 18
August 1997
32. Great Pacific Life Insurance Corporation vs. Court
of Appeals and Medarda V. Leuterio, G.R. No.
113899, 13 October 1999
33. Harvardian Colleges of San Fernando Pampanga,
Inc. vs. Country Bankers Insurance Corporation.,
CA 1 SCRA 1 (1986)
34. Ang Ka Yu vs. Phoenix Insurance Co., Ltd. 1 SCRA
704 (1961)
35. Gaisano Cagayan, Inc. vs. Insurance Company of
North America, 490 SCRA 289 (2006)
36. Eternal Gardens Memorial Park Corporation vs.
The Philippine American Life Insurance Company,
G.R. No. 166245, 08 June 2006
V. BURDEN OF PROOF
37. DBP Pool Accredited Insurance Company vs. Radio
Mindanao Network, Inc., 480 SCRA 314 (2016)
VI. CONCEALMENT AND REPRESENTATION
38. Insular Life Assurance Co. vs. Seafin D. Feliciano,
G.R. No. L-47593, 13 September 1941
39. Insular Life Assurance Co. vs. Seafin D. Feliciano,
G.R. No. L-47593, 29 December 1943
40. Sunlife Assurance Co. of Canada vs. Court of
Appeals, 245 SCRA 268 (1995)
41. Thelma vda. de Canilang vs. Court of Appeals, 223
SCRA 443 (1993)
VII. BREACH OF WARRANTY
42. Prudential Guarantee and Assurance, Inc. vs.
Trans-Asia Shipping Lines, Inc., 491 SCRA 411
(2006)
VIII. PERSONS ENTITLED TO RECOVER UNDER THE
POLICY
43. Bonifacio Bros. vs. Mora, 20 SCRA 261
44. First Integrated Bonding & Insurance Co. vs.
Hernando 199SCRA 796 (1991)
45. Sherman Shaper vs. Hon. Judge RTC Olongapo
City, 167 SCRA 368
59. Republic Bank vs. Phil. Guaranty Co., Inc., 47
SCRA 271
XIV. MARINE INSURANCE
60. Oriental Assurance Corp. vs. Court of Appeals, 200
SCRA 459 (1991)
61. Roque vs. Intermediate Appellate Court 139 SCRA
597
62. Filipinas Merchants Insurance vs. Court of Appeals,
179 SCRA 638
63. Choa Tiek Seng vs. Court of Appeals, 18 SCRA 223
64. Delsan Transport Lines, Inc. vs. Court of Appeals,
369 SCRA 24
XV. LIFE INSURANCE
65. Del Val vs. Del Val, 29 Phil 535
66. Bank of the Philippine Islands vs. Posadas, 56 Phil
215
67. Insular Life Assurance Co., Ltd. vs. Carponia T.
Ebrado and Pascuala Vda. de Ebrado, G.R. No. L44059
XVI. CASH SURRENDER VALUE
IX. INCONTESTABILITY CLAUSE
46. Emilio Tan vs. Court of Appeals, G.R. No. 48049,
29 June 1989
68. Manufacturers Life Insurance Co., vs. Bibiano L.
Meer, 89 Phil 351 (1981)
XVII. SURETYSHIP
X. LIABILITY UNDER AN OPEN POLICY
47. Development Insurance Corp. vs. Intermediate
Appellate Court, 143 SCRA 62
69. Development Bank of the Philippines vs. Court of
the Appeals, 231 SCRA 370 (1994)
70. Philippine Pryce Assurance Corp. vs. Court of
Appeals 230 SCRA 164
XI. PRESCRIPTION OF ACTION
48. Sun Insurance Office Ltd. vs. Court of Appeals,
195 SCRA 139 (1992)
49. Jacqueline Jimenez vda. de Gabriel vs. Court of
Appeals 264 SCRA 137 (1995)
XII. PREMIUM PAYMENTS
50. Malayan Insurance Co., Inc. vs. Gregorio Cruz
Arnaldo, 154 SCRA 672
51. Makati Tuscany Condominium Corporation vs.
Court of Appeals, 215 SCRA 462 (1992)
52. South Sea Surety Insurance Co., Inc. vs. Court of
Appeals 244 SCRA 744 (1995)
53. Sps. Antonio Tibay and Violeta Tibay, et al. vs.
Court of Appeals, 257 SCRA 126 (1996)
54. UCPB General Insurance Co. Inc. vs. Masagana
Telemart Inc., 356 SCRA 307 (2001)
55. American Home Assurance Co. vs. Antonio Chua,
309 SCRA 250 (1999)
56. Paulin vs, Insular Life Assurance, Co. Ltd., 47 OG
3012 (1949)
XIII. DOUBLE INSURANCE
57. Pioneer Insurance & Surety Corp. vs. Olivia Yap, 61
SCRA 426
58. Union Manufacturing Co., Inc. et al. vs. Philippine
Guaranty Co. Inc., G.R. No. L-27932, 30 October
1972
XVIII.CLAIMS OF SETTLEMENT
71. Tio Khe Chio vs. Court of Appeals, 361 SCRA 514
(2001)
72. Finman Assurance Corporation vs. Court of
Appeals, 361 SCRA 514 (2001)
73. Country Bankers Insurance Corporation vs. Lianga
Bay and Community Multi-purpose Cooperative,
374 SCRA 653 (2002)
XIX. COMPULSORY MOTOR VEHICLE LIABILITY
INSURANCE
74. Perla Compania de Seguro, Inc. vs. Hon.
Constante Ancheta, 164 SCRA 144
75. First Quezon City Insurance Co. vs. Court of
Appeals, 218 SCRA 525 (1993)
76. Perla Companio de Seguro, Inc. vs. Ramolete,
2013 SCRA 487 (1991)
77. Government Service Insurance System vs. Court
of Appeals, 308 SCRA 559, 21 June 1999
XX. JURISDICTION OF THE INSURANCE COMMISSION
78. Philippine American Insurance Co. vs. Ansaldo,
234 SCRA 509 (1994)
XXI. COURT INTERFERENCE
79. Insular Life Assurance Company, Ltd. vs. Manuel
M. Serrano, G.R. No. 163255, 22 June 2007
First Semester, A.Y. 2015-2016
Atty. Odessa Grace E. Gonzaga
I. CONSTRUCTION OF INSURANCE CONTRACT
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
Virginia Calanoc vs. Court of Appeals and the
Philippine American Life Insurance Co., G.R. No. L8151, 16 December 1955
Emilia T. Biagtan, et al. vs. The Insular Life
Assurance Company, Ltd., G.R. No. L-25579, 29
March 1972
Finman General Assurance Corporation vs.The
Honorable Court of Appeals and Julia Surposa,
G.R. No. 100970, 02 September 1992
Zenith Insurance Corporation vs. Court of Appeals
and Lawrence Fernandez, G.R. No. 85296, 14 May
1990
Sun Insurance Office, Ltd. vs. The Hon. Court of
Appeals and Nerissa Lim, G.R. No. 92383, 17 July
1992
Jewel Villacorta vs. The Insurance Commission and
Empire Insurance Company, G.R. No. L-54171, 28
October 1980
Figuracio vda. De Maglana, et al. Vs. Honorable
Francisco Z. Consolacion and Afisco Insurance
Corporation, G.R. No. 60506, 06 August 1992
Perla Compania de Seguros, Inc. vs. Court of
Appeals, et al., G.R. No. 96452 May 7, 1992
Armando Geagonia vs. Court of Appeals and
Country Bankers Insurance Corporation, G.R. No.
114427, 06 February 1995
Fortune Insurance and Surety Co., inc. Vs. Court of
Appeals and Producers Bank of the Philippines,
G.R. No. 115278, 23 May 1985
Regina L. Edillon vs. Manila Bankers Life Insurance
Corporation, G.R. No. L-34200, 30 September
1982
Perla Compania de Seguros, Inc. vs. Honorable
Court of Appeals and Milagros Cayas, G.R. No.
78860, 28 May 1990
Mapalad Aisporna vs..The Court of Appeals and
People of the Philippines, G.R. No. L-39419, 12
April 1982
White Gold Marine Services, Inc. vs. Pioneer
Insurance and Surety Corporation and Steamship
Mutual Underwriting Association (Bermuda) Ltd.,
G.R. No. 154514, 28 July 2005
Republic of the Philippines vs. Sunlife Assurance
Company of Canada, G.R. No. 158085, 14 October
2005
Philam Care Health Systems, Inc. vs. Court of
Appeals, G.R. No. 125678, 18 March 2002
Commissioner of Internal Revenue vs. Lincoln
Philippine Life Insurance Company, G.R. No.
119176, 19 March 2001
Republic of the Philippines vs. Del Monte Motors,
Inc., G.R. No. 156956, 09 October 2006
II. PERFECTION OF INSURANCE CONTRACT
19. Rafael Enriquez vs. Sun Life Assurance Co. of
Canada, G.R. No. L-15895, 29 November 1920
20. Great Pacific Life Insurance Co. vs. Court of
Appeals, G.R. No. L-31845, 30 April 1979
21. Development Bank of the Philippines vs. Court of
Appeals & the Estate of the late Juan B. Dans, G.R.
No. L-109937, 21 March 1994
22. Philamcare Health Systems, Inc. vs. Court of
Appeals, et al., G.R. No. 125678, 18 March 2002
23. Gulf Resorts, Inc. vs. Phil. Charter Insurance
Corporation, G.R. No. 156167, 16 March 2005
III. SUBROGATION
24. Malayan Insurance Co., Inc. vs. Court of Appeals,
G.R. No. L-36413, 26 September 1988
25. Manila Mahogany Manufacturing Corporation vs.
Court of Appeals & Zenith Insurance Corporation,
G.R. No. L-52756, 12 October 1987
26. Pan Malayan Insurance Corporation vs. Court of
Appeals, Erlinda Fabie & her Unknown Driver G.R.
No. 81026, 03 April 1990
27. Cebu Shipyard and Engineering Works, Inc. vs.
William Lines, Inc. & Prudential Guarantee and
Assurance Company, Inc. G.R. No. 132607, 05 May
1999
28. Delsan Transport Lines, Inc. vs. Court of Appeals,
et al., G.R. No. 127897, 15 November 2001
29. Federal Express Corporation vs. American Home
Assurance Company, et al., 18 August 2004
30. Aboitiz Shipping Corporation vs. Insurance
Company of North America, G.R. No. 168402, 06
August 2008
IV. INSURABLE INTEREST
31. Sps. Nilo Cha and Stella Uy Cha and United
Insurance Co., Inc. vs .Court of Appeals and CKS
Development COrporation, G.R. No. 124520, 18
August 1997
32. Great Pacific Life Insurance Corporation vs. Court
of Appeals and Medarda V. Leuterio, G.R. No.
113899, 13 October 1999
33. Harvardian Colleges of San Fernando Pampanga,
Inc. vs. Country Bankers Insurance Corporation.,
CA 1 SCRA 1 (1986)
34. Ang Ka Yu vs. Phoenix Insurance Co., Ltd. 1 SCRA
704 (1961)
35. Gaisano Cagayan, Inc. vs. Insurance Company of
North America, 490 SCRA 289 (2006)
36. Eternal Gardens Memorial Park Corporation vs.
The Philippine American Life Insurance Company,
G.R. No. 166245, 08 June 2006
V. BURDEN OF PROOF
37. DBP Pool Accredited Insurance Company vs. Radio
Mindanao Network, Inc., 480 SCRA 314 (2016)
VI. CONCEALMENT AND REPRESENTATION
38. Insular Life Assurance Co. vs. Seafin D. Feliciano,
G.R. No. L-47593, 13 September 1941
39. Insular Life Assurance Co. vs. Seafin D. Feliciano,
G.R. No. L-47593, 29 December 1943
40. Sunlife Assurance Co. of Canada vs. Court of
Appeals, 245 SCRA 268 (1995)
41. Thelma vda. de Canilang vs. Court of Appeals, 223
SCRA 443 (1993)
VII. BREACH OF WARRANTY
42. Prudential Guarantee and Assurance, Inc. vs.
Trans-Asia Shipping Lines, Inc., 491 SCRA 411
(2006)
VIII. PERSONS ENTITLED TO RECOVER UNDER THE
POLICY
43. Bonifacio Bros. vs. Mora, 20 SCRA 261
44. First Integrated Bonding & Insurance Co. vs.
Hernando 199SCRA 796 (1991)
45. Sherman Shaper vs. Hon. Judge RTC Olongapo
City, 167 SCRA 368
59. Republic Bank vs. Phil. Guaranty Co., Inc., 47
SCRA 271
XIV. MARINE INSURANCE
60. Oriental Assurance Corp. vs. Court of Appeals, 200
SCRA 459 (1991)
61. Roque vs. Intermediate Appellate Court 139 SCRA
597
62. Filipinas Merchants Insurance vs. Court of Appeals,
179 SCRA 638
63. Choa Tiek Seng vs. Court of Appeals, 18 SCRA 223
64. Delsan Transport Lines, Inc. vs. Court of Appeals,
369 SCRA 24
XV. LIFE INSURANCE
65. Del Val vs. Del Val, 29 Phil 535
66. Bank of the Philippine Islands vs. Posadas, 56 Phil
215
67. Insular Life Assurance Co., Ltd. vs. Carponia T.
Ebrado and Pascuala Vda. de Ebrado, G.R. No. L44059
XVI. CASH SURRENDER VALUE
IX. INCONTESTABILITY CLAUSE
46. Emilio Tan vs. Court of Appeals, G.R. No. 48049,
29 June 1989
68. Manufacturers Life Insurance Co., vs. Bibiano L.
Meer, 89 Phil 351 (1981)
XVII. SURETYSHIP
X. LIABILITY UNDER AN OPEN POLICY
47. Development Insurance Corp. vs. Intermediate
Appellate Court, 143 SCRA 62
69. Development Bank of the Philippines vs. Court of
the Appeals, 231 SCRA 370 (1994)
70. Philippine Pryce Assurance Corp. vs. Court of
Appeals 230 SCRA 164
XI. PRESCRIPTION OF ACTION
48. Sun Insurance Office Ltd. vs. Court of Appeals,
195 SCRA 139 (1992)
49. Jacqueline Jimenez vda. de Gabriel vs. Court of
Appeals 264 SCRA 137 (1995)
XII. PREMIUM PAYMENTS
50. Malayan Insurance Co., Inc. vs. Gregorio Cruz
Arnaldo, 154 SCRA 672
51. Makati Tuscany Condominium Corporation vs.
Court of Appeals, 215 SCRA 462 (1992)
52. South Sea Surety Insurance Co., Inc. vs. Court of
Appeals 244 SCRA 744 (1995)
53. Sps. Antonio Tibay and Violeta Tibay, et al. vs.
Court of Appeals, 257 SCRA 126 (1996)
54. UCPB General Insurance Co. Inc. vs. Masagana
Telemart Inc., 356 SCRA 307 (2001)
55. American Home Assurance Co. vs. Antonio Chua,
309 SCRA 250 (1999)
56. Paulin vs, Insular Life Assurance, Co. Ltd., 47 OG
3012 (1949)
XIII. DOUBLE INSURANCE
57. Pioneer Insurance & Surety Corp. vs. Olivia Yap, 61
SCRA 426
58. Union Manufacturing Co., Inc. et al. vs. Philippine
Guaranty Co. Inc., G.R. No. L-27932, 30 October
1972
XVIII.CLAIMS OF SETTLEMENT
71. Tio Khe Chio vs. Court of Appeals, 361 SCRA 514
(2001)
72. Finman Assurance Corporation vs. Court of
Appeals, 361 SCRA 514 (2001)
73. Country Bankers Insurance Corporation vs. Lianga
Bay and Community Multi-purpose Cooperative,
374 SCRA 653 (2002)
XIX. COMPULSORY MOTOR VEHICLE LIABILITY
INSURANCE
74. Perla Compania de Seguro, Inc. vs. Hon.
Constante Ancheta, 164 SCRA 144
75. First Quezon City Insurance Co. vs. Court of
Appeals, 218 SCRA 525 (1993)
76. Perla Companio de Seguro, Inc. vs. Ramolete,
2013 SCRA 487 (1991)
77. Government Service Insurance System vs. Court
of Appeals, 308 SCRA 559, 21 June 1999
XX. JURISDICTION OF THE INSURANCE COMMISSION
78. Philippine American Insurance Co. vs. Ansaldo,
234 SCRA 509 (1994)
XXI. COURT INTERFERENCE
79. Insular Life Assurance Company, Ltd. vs. Manuel
M. Serrano, G.R. No. 163255, 22 June 2007
