TABLE OF CONTENTS

SUMMARY OF CASE DOCTRINES............................................................1

I. Construction of Insurance Contract
1. Calanoc v. Court of Appeals..............................................................................
2. Biagtan v. Insular Life Assurance Co Ltd.
3. Finman General Insurance Corp v. Court of Appeals.......................................
4. Zenith Insurance Corp v. Court of Appeals.......................................................
5. Sun Insurance Office Ltd v. Court of Appeals...................................................
6. Villacorta v. Insurance Commissioner...............................................................
7. Vda. de Maglana v. Hon Francisco Consolacion..............................................
8. Perla Compania de Seguro Inc v. Court of Appeals..........................................
9. Geagonia v. Court of Appeals...........................................................................
10. Fortune Insurance & Surety Co Inc v. Court of Appeals..................................
11. Edillon v. Manila Bankers Life..........................................................................
12. Perla Compania de Seguro Inc v. Court of Appeals.........................................
13. Aisporna v. Court of Appeals............................................................................
14. White Gold Marine Services Inc v. Pioneer Insurance & Surety Corp..
15. Republic of the Philippines v. Sunlife Assurance Company of Canada
16. Philamcare Health Systems, Inc v. Court of Appeals......................................
17. Commissioner of Internal Revenue v. Lincoln Philippine Life Insurance Co...

26
27
28
29
30
31
33
34
35
37
39
40
41
42
43
45
47

II. Perfection of Insurance Contract

18. Enriquez v. Sun Life Assurance Co. of Canada........................................................
19. Great Pacific Life Insurance Co v. Court of Appeals.................................................
20. Development Bank of the Philippines v. Court of Appeals........................................
21. Philamcare Health Systems Inc v. Court of Appeals.............................................
22. Gulf Resorts Inc v. Phil Charter Insurance Corp.......................................................

48
49
51
52
54

III. Subrogation (Art. 2207, New Civil Code)

23. Malayan Insurance Co Inc v. Court of Appeals...........................................................
24. Manila Mahogany Manufacturing Corp v. Court of Appeals........................................
25. Pan Malayan Insurance Corp v. Court of Appeals......................................................
26. Cebu Shipyard & Engineering Works Inc v. William Lines Inc. ..................................
27. Delsan Transport Lines Inc v. Court of Appeals..........................................................
28. Federal Express Corp. v. American Home Assurance Co. ........................................

56
57
58
59
61
62

IV. Insurable Interest

29. Sps. Cha v. Court of Appeals.........................................................................
30. Great Pacific Life Insurance Corp v. Court of Appeals..............................................
31. Harvardian Colleges v. Country Bankers Insurance Corp.........................................
32. Ang Ka Yu v. Phoenix Assurance Co., Ltd.................................................................

64
66
68
69

V. Concealment & Representation

33. Insular Life Assurance v. Feliciano........................................................................
34. Sunlife Assurance Co of Canada v. Court of Appeals...............................................
35. Vda de Canilang v. Court of Appeals.........................................................................

70
71
73

VI. Persons Entitled to Recover under the Policy

36. Bonifacio Bros Inc v. Mora..........................................................................
37. First Integrated Bonding & Insurance Co Inc v. Hernando.......................................
38. Shafer v. Judge RTC of Olongapo City.....................................................................

VII. Incontestability Clause

74
76
77

39. Tan v. Court of Appeals......................................................................... 78

VIII. Liability under an Open Policy
40. Development Insurance Corp v. Intermediate Appellate Court................................... 79
IX. Prescription of Action
41. Sun Insurance Office Ltd v. Court of Appeals............................................................ 80
42. Vda de Gabriel v. Court of Appeals........................................................................ 81
X. Premium Payments
43. Malayan Insurance Co., Inc v. Cruz Arnaldo..............................................................
44. Makati Tuscany Condominium Corp. v. Court of Appeals..........................................
45. South Sea Surety & Insurance Co, Inc. v. Court of Appeals......................................
46. Sps. Tibay v. Court of Appeals........................................................................
47. UCPB General Insurance Co, Inc. v. Masagana Telemart Inc. ................................
48. American Home Assurance Co. v. Chua....................................... ...........................
49. Paulin v. Insurance Life Assurance Co Ltd ...............................................................

82
83
84
85
86
87
88

XI. Double Insurance

50. Pioneer Insurance & Surety Corp. v. Yap................................................................. 89
51. Union Manufacturing Co., Inc. v. Philippine Guaranty Co Inc................................... 90
XII. Marine Insurance
52. Oriental Assurance Corp. v. Court of Appeals..........................................................
53. Roque v. Intermediate Appellate Court...................................................... ..............
54. Filipino Merchants Insurance Co., Inc. v. Court of Appeals......................................
55. Choa Tiek v. Court of Appeals...........................................................................
56. Delsan Transport Lines, Inc. v. Court of Appeals .....................................................

91
92
94
95
96

XIII. Life Insurance

57. Del Val v. Del Val.............................................................................. 97
58. Bank of the Philippine Islands v. Posadas ................................................................ 98
59. The Insular Life Assurance Co Ltd v. Ebrado ........................................................... 99
XIV. Cash Surrender Value
60. The Manufacturers Life Insurance Co v. Meer.......................................................... 100
XV. Suretyship
61. Development Bank of the Philippines v. Court of Appeals........................................ 102
62. Philippine Pryce Assurance Corp. v. Court of Appeals............................................. 103
XVI. Claims Settlement (Secs. 234 & 244) and Proof of Loss
63. Tio Khe Chio v. Court of Appeals.......................................................................... 104
64. Finman Assurance Corp. v. Court of Appeals.......................................................... 105
65. Country Bankers Insurance Corp v. Lianga Bay & Community Multi-Purpose
Cooperative........................................................................ 106

XVII. CMVLI
66. Perla Compania de Seguros Inc v. Ancheta.............................................................
67. First Quezon City Insurance Co Inc v. Court of Appeals..........................................
68. Perla Compania de Seguros Inc v. Ramolete..........................................................
69. Government Service Insurance System v. Court of Appeals...................................

107
108
109
110

XVIII. Jurisdiction of the Insurance Commission

70. Philippine American Life Insurance Co v. Ansaldo................................................... 111

ADDITIONAL CASES IN INSURANCE

I. Insurable Interest
Gaisano Cagayan Inc v. Insurance Company of North America.................................... 112
II. Burden of Proof
DBP Pool of Accredited Insurance Companies v. Radio Mindanao Network Inc. 113
III. Breach of Warranty
Prudential Guarantee & Assurance Inc v. Trans-Asia Shipping Lines Inc. 114
IV.
Republic v. Del Monte Motors Inc . ......................................................................... 115
Insular Life Assurance Co Ltd v. Serrano....................................................................... 117