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