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TABLE OF CONTENTS

Case Doctrines
1. Construction of Insurance Contract

2. Perfection of Insurance Contract

3. Subrogation

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