TABLE OF CONTENTS
Case Doctrines
1. Construction of Insurance Contract
1
2. Perfection of Insurance Contract
6
3. Subrogation
8
4. Insurable Interest
10
5. Concealment and Representation
11
6. Persons Entitled to Recover Under the Policy
12
7. Incontestability Clause
13
8. Liability Under an Open Policy
14
9. Prescription of Action
15
10. Premium Payments
16
11. Double Insurance
18
12. Marine Insurance
19
13. Life Insurance
20
14. Cash Surrender Value
21
15. Suretyship
22
16. Claims Settlement and Proof of Loss
23
17. Compulsory Motor Vehicle Liability Insurance
24
18. Jurisdiction of the Insurance Commission
25
19. Additional Cases
26
Case Digests
I. CONSTRUCTION OF INSURANCE CONTRACT
1.
Calanoc v. Court of Appeals
30
2.
Biagtan v. Insular Life Assurance Co., Ltd
32
3.
Finman Gen. Insurance Corp. v. Court of Appeals
33
4.
Zenith Insurance Corp. v. Court of Appeals
34
5.
Sun Insurance Office Ltd. V. Court of Appeals
35
6.
Villacorta v. Insurance Commission
37
7.
Figuracion Vda. De Maglana v. Hon. Francisco Consolacion
39
8.
Perla Compania de Seguro, Inc. v. Court of Appeals
40
9.
Geagonia v. Court of Appeals
41
10.
Fortune Insurance and Surety Co., Inc. v. Court of Appeals
42
11.
Edillon v. Manila Bankers Life
43
12.
Perla Compania de Seguro v. CA
44
13.
Aisporna v. CA
14.
White Gold Marine Services, Inc. vs. Pioneer Insurance and Surety
Corporation and Steamship Mutual Underwriting Association Ltd
15.
Republic vs. Sunlife Assurance Company of Canada
48
16.
Philam Care Health Systems, Inc. v. Court of Appeals
49
17.
Commissioner of Internal Revenue v. Lincoln Philippine Life Insurance
50
45
46
II. PERFECTION OF INSURANCE CONTRACT
18.
Enriquez v. Sun Life Assurance Co. of Canada
52
19.
Great Pacific Life Insurance Co. v. Court of Appeals
53
20.
Dev. Bank of the Phils. V. Court of Appeals
55
21.
Philamcare Health Systems, Inc. v. Court of Appeals
57
22.
Gulf Resorts, Inc. v. Phil Charter Insurance, Corp
58
III. SUBROGATION
23.
Malayan Insurance Co., Inc. v. Court of Appeals
24.
Manila Mahogany v. Court of Appeals
60
25.
Pan Malayan Ins. Corp. v. Court of Appeals
61
26.
Cebu Shipyard and Engineering Works, Inc. v. William Lines
62
27.
Delsan Transport Lines, Inc. v. Court of Appeals
28.
Federal Express Corporation v. American Home Assurance Company
64
IV. INSURABLE INTEREST
59
63
29.
Sps. Nilo and Stella Cha v. Court of Appeals
65
30.
Great Pacific Life Insurance Corp. v. CA
66
31.
Harvardian Colleges of San Fernando Pampanga, Inc. v. Country Bankers
Insurance Corp., CA
32.
67
Ang Ka Yu v. Phoenix Assurance Co. Ltd
68
V. CONCEALMENT AND REPRESENTATION
33.
Insular Life Assurance Co. v. Serafin D. Feliciano
69
34.
Insular Life Assurance Co. v. Serafin D. Feliciano
70
35.
Sunlife Assurance Co. of Canada v. Court of Appeals
71
36.
Thelma Vda. De Canilang v. Court of Appeals
72
VI. PERSONS ENTITLED TO RECOVER UNDER THE POLICY
37.
Bonifacio Bros. v. Mora
73
38.
First Integrated Bonding & Insurance Co. v. Hernando
74
39.
Sherman Shaper v. Hon. Judge RTC of Olongapo City
75
VII. INCONTESTABILITY CLAUSE
40.
Tan v. Court of Appeals
76
VIII. LIABILITY UNDER AN OPEN POLICY
41.
Development Insurance Corp. v. Intermediate Appellate Court
77
IX. PRESCRIPTION OF ACTION
42.
Sun Insurance Office Ltd. V. Court of Appeals
78
43.
Jacqueline Jimenez Vda. De Gabriel v. Court of Appeals
X. PREMIUM PAYMENTS
44.
Malayan Insurance Co. Inc. v. Gregorio Cruz Arnaldo
80
79
45.
Makati Tuscany Condominium Corp. v. Court of Appeals
81
46.
South Sea Surety and Ins. Co. Inc. v. Court of Appeals
83
47.
Sps. Antonio Tibay and Violeta Tibay et. al. v. Court of Appeals
84
48.
UCPB General Insurance Co. Inc. vs. Masagana Telemart, Inc
85
49.
American Home Assurance Co. v. Antonio Chua
86
50.
Paulin v. Insular Life Assurance. Co. Ltd
87
XI. DOUBLE INSURANCE
51.
Pioneer Insurance & Surety Corp. v. Olivia Yap
88
52.
Republic Bank v. Phil. Guaranty Co., Inc
90
XII. MARINE INSURANCE
53.
Oriental Assurance Corp. v. Court of Appeals
91
54.
Roque v. Intermediate Appellate Court
92
55.
Filipinas Merchants Insurance v. Court of Appeals
93
56.
Choa Tek Seng v. Court of Appeals
94
57.
Delsan Transport Lines, Inc. v. Court of Appels
95
XIII. LIFE INSURANCE
58.
Del Val v. Del Val
96
59.
Bank of the Phil. Islands v. Posadas
97
60.
Insular Life v. Ebrado
98
XIV. CASH SURRENDER VALUE
61.
Manufacturing Life Insurance Co. v. Meer
99
XV. SURETYSHIP
62.
Development Bank of the Phils. v. Court of Appeals
100
63.
Phil. Pryce Assurance Corp. v. CA
101
XVI. CLAIMS SETTLEMENT AND PROOF OF LOSS
64.
Tio Khe Chio vs. Court of Appeals
102
65.
Finman Assurance Corporation v. Court of Appeals
103
66.
Country Bankers Insurance Corporation v. Lianga Bay and Community MutiPurpose Cooperative
104
XVII. Compulsory Motors Vehicle Liability INSURANCE
67.
Perla Compania de Seguro, Inc. v. Hon. Constante Ancheta
105
68.
First Quezon City Insurance Co. v. Court of Appeals
106
69.
Perla Compania de Seguro, Inc. v. Ramolete
107
70.
Government Service Insurance System v. Court of Appeals
108
XVIII. JURISDICTION OF THE INSURANCE COMMISSION
71.
Philippine American Life Insurance Co., v. Ansaldo
109
XIX. ADDITIONAL CASES
72.
Gaisano Cagayan, Inc. v. Insurance Company of North America
110
73.
DBP Pool Accredited Insurance Company v. Radio Mindanao Network Inc.
112
74.
Prudential Guarantee and Assurance, Inc. v. Trans-Asia Shipping Lines, Inc.
114
75.
Republic v. Del Monte Motors Inc
116
76.
Insular Life Assurance Co. Ltd. v. Manuel Serrano
118
APPENDIX: AN ACT STRENGTHENING THE INSURANCE INDUSTRY, FURTHER
AMENDING PRESIDENTIAL DECREE NO. 612, OTHERWISE KNOWN AS “THE INSURANCE
CODE”, AS AMENDED BY PRESIDENTIAL DECREE NOS. 1141, 1280, 1455, 1460, 1814 AND
1981, AND BATAS PAMBANSA BLG. 874, AND FOR OTHER PURPOSES