Insurance Case List
Content
INSURANCE LAW
First Semester, A.Y. 2015-2016
Atty. Odessa Grace E. Gonzaga
LI ST
OF
CASES
I.
CONSTRUCTION OF INSURANCE CONTRACT
1.
Virginia Calanoc vs. Court of Appeals and the Philippine American Life Insurance Co., G.R. No. L8151, 16 December 1955
2.
Emilia T. Biagtan, et al. vs. The Insular Life Assurance Company, Ltd., G.R. No. L-25579, 29 March
1972
3.
Finman General Assurance Corporation vs.The Honorable Court of Appeals and Julia Surposa, G.R.
No. 100970, 02 September 1992
4.
Zenith Insurance Corporation vs. Court of Appeals and Lawrence Fernandez, G.R. No. 85296, 14
May 1990
5.
Sun Insurance Office, Ltd. vs. The Hon. Court of Appeals and Nerissa Lim, G.R. No. 92383, 17 July
1992
6.
Jewel Villacorta vs. The Insurance Commission and Empire Insurance Company, G.R. No. L-54171,
28 October 1980
7.
Figuracio vda. De Maglana, et al. Vs. Honorable Francisco Z. Consolacion and Afisco Insurance
Corporation, G.R. No. 60506, 06 August 1992
8.
Perla Compania de Seguros, Inc. vs. Court of Appeals, et al., G.R. No. 96452
May 7, 1992
9.
Armando Geagonia vs. Court of Appeals and Country Bankers Insurance Corporation, G.R. No.
114427, 06 February 1995
10.
Fortune Insurance and Surety Co., inc. Vs. Court of Appeals and Producers Bank of the Philippines,
G.R. No. 115278, 23 May 1985
11.
Regina L. Edillon vs. Manila Bankers Life Insurance Corporation, G.R. No. L-34200, 30 September
1982
12.
Perla Compania de Seguros, Inc. vs. Honorable Court of Appeals and Milagros Cayas, G.R. No.
78860, 28 May 1990
13.
Mapalad Aisporna vs..The Court of Appeals and People of the Philippines, G.R. No. L-39419, 12
April 1982
14.
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
15.
Republic of the Philippines vs. Sunlife Assurance Company of Canada, G.R. No. 158085, 14
October 2005
16.
Philam Care Health Systems, Inc. vs. Court of Appeals, G.R. No. 125678, 18 March 2002
17.
Commissioner of Internal Revenue vs. Lincoln Philippine Life Insurance Company, G.R. No.
119176, 19 March 2001
18.
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.
27.
28.
29.
30.
Pan Malayan Insurance Corporation vs. Court of Appeals, Erlinda Fabie & her Unknown Driver,
G.R. No. 81026, 03 April 1990
Cebu Shipyard and Engineering Works, Inc. vs. William Lines, Inc. & Prudential Guarantee and
Assurance Company, Inc. G.R. No. 132607, 05 May 1999
Delsan Transport Lines, Inc. vs. Court of Appeals, et al., G.R. No. 127897, 15 November 2001
Federal Express Corporation vs. American Home Assurance Company, et al., 18 August 2004
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
IX.
INCONTESTABILITY CLAUSE
46.
Emilio Tan vs. Court of Appeals, G.R. No. 48049, 29 June 1989
X.
LIABILITY UNDER AN OPEN POLICY
47.
Development Insurance Corp. vs. Intermediate Appellate Court, 143 SCRA 62
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.
53.
54.
55.
56.
South Sea Surety Insurance Co., Inc. vs. Court of Appeals 244 SCRA 744 (1995)
Sps. Antonio Tibay and Violeta Tibay, et al. vs. Court of Appeals, 257 SCRA 126 (1996)
UCPB General Insurance Co. Inc. vs. Masagana Telemart Inc., 356 SCRA 307 (2001)
American Home Assurance Co. vs. Antonio Chua, 309 SCRA 250 (1999)
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
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. L-
44059
XVI. CASH SURRENDER VALUE
68.
Manufacturers Life Insurance Co., vs. Bibiano L. Meer, 89 Phil 351 (1981)
XVII. SURETYSHIP
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
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
LI ST
OF
CASES
I.
CONSTRUCTION OF INSURANCE CONTRACT
1.
Virginia Calanoc vs. Court of Appeals and the Philippine American Life Insurance Co., G.R. No. L8151, 16 December 1955
2.
Emilia T. Biagtan, et al. vs. The Insular Life Assurance Company, Ltd., G.R. No. L-25579, 29 March
1972
3.
Finman General Assurance Corporation vs.The Honorable Court of Appeals and Julia Surposa, G.R.
No. 100970, 02 September 1992
4.
Zenith Insurance Corporation vs. Court of Appeals and Lawrence Fernandez, G.R. No. 85296, 14
May 1990
5.
Sun Insurance Office, Ltd. vs. The Hon. Court of Appeals and Nerissa Lim, G.R. No. 92383, 17 July
1992
6.
Jewel Villacorta vs. The Insurance Commission and Empire Insurance Company, G.R. No. L-54171,
28 October 1980
7.
Figuracio vda. De Maglana, et al. Vs. Honorable Francisco Z. Consolacion and Afisco Insurance
Corporation, G.R. No. 60506, 06 August 1992
8.
Perla Compania de Seguros, Inc. vs. Court of Appeals, et al., G.R. No. 96452
May 7, 1992
9.
Armando Geagonia vs. Court of Appeals and Country Bankers Insurance Corporation, G.R. No.
114427, 06 February 1995
10.
Fortune Insurance and Surety Co., inc. Vs. Court of Appeals and Producers Bank of the Philippines,
G.R. No. 115278, 23 May 1985
11.
Regina L. Edillon vs. Manila Bankers Life Insurance Corporation, G.R. No. L-34200, 30 September
1982
12.
Perla Compania de Seguros, Inc. vs. Honorable Court of Appeals and Milagros Cayas, G.R. No.
78860, 28 May 1990
13.
Mapalad Aisporna vs..The Court of Appeals and People of the Philippines, G.R. No. L-39419, 12
April 1982
14.
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
15.
Republic of the Philippines vs. Sunlife Assurance Company of Canada, G.R. No. 158085, 14
October 2005
16.
Philam Care Health Systems, Inc. vs. Court of Appeals, G.R. No. 125678, 18 March 2002
17.
Commissioner of Internal Revenue vs. Lincoln Philippine Life Insurance Company, G.R. No.
119176, 19 March 2001
18.
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.
27.
28.
29.
30.
Pan Malayan Insurance Corporation vs. Court of Appeals, Erlinda Fabie & her Unknown Driver,
G.R. No. 81026, 03 April 1990
Cebu Shipyard and Engineering Works, Inc. vs. William Lines, Inc. & Prudential Guarantee and
Assurance Company, Inc. G.R. No. 132607, 05 May 1999
Delsan Transport Lines, Inc. vs. Court of Appeals, et al., G.R. No. 127897, 15 November 2001
Federal Express Corporation vs. American Home Assurance Company, et al., 18 August 2004
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
IX.
INCONTESTABILITY CLAUSE
46.
Emilio Tan vs. Court of Appeals, G.R. No. 48049, 29 June 1989
X.
LIABILITY UNDER AN OPEN POLICY
47.
Development Insurance Corp. vs. Intermediate Appellate Court, 143 SCRA 62
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.
53.
54.
55.
56.
South Sea Surety Insurance Co., Inc. vs. Court of Appeals 244 SCRA 744 (1995)
Sps. Antonio Tibay and Violeta Tibay, et al. vs. Court of Appeals, 257 SCRA 126 (1996)
UCPB General Insurance Co. Inc. vs. Masagana Telemart Inc., 356 SCRA 307 (2001)
American Home Assurance Co. vs. Antonio Chua, 309 SCRA 250 (1999)
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
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. L-
44059
XVI. CASH SURRENDER VALUE
68.
Manufacturers Life Insurance Co., vs. Bibiano L. Meer, 89 Phil 351 (1981)
XVII. SURETYSHIP
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
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
