Escolar Documentos
Profissional Documentos
Cultura Documentos
Course Outline
Atty. Maria Zarah R. Villanueva-Castro
I. Introduction
Cases: White Gold Marine Services vs. Pioneer Insurance, et al. (GR No.
154514, 28 July 2005); Verendia vs. CA (217 SCRA 417); Philamcare Health
Systems Inc. vs. CA (379 SCRA 356); Fortune Insurance and Surety Co., Inc.
vs. CA (244 SCRA 308)l; Gulf Resorts Inc. vs. Philippine Charter Insurance
Corp. GR No. 155167, 16 May 2005; Manila Mahogany vs. CA (154 SCRA 650);
Federal Express Corporation vs. American Home Assurance Company and
Phil-Am Insurance Company, Inc., G.R. No. 150094, 18 August 2004); Eternal
Gardens Memorial Park Corporation vs. Phil. American Life Insurance Co., GR
No. 166245, 09 April 2008
Cases: Enriquez vs. Sun Life Insurance of Canada (G.R. No. 15895, Nov. 29,
1920); Development Bank vs. CA (G.R. No. 100937, March 21, 1994); Great
Pacific Life Assurance Co. vs. CA (G.R. Nos. 31845 & 31873, April 30, 1979)
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Cases: Spouses Cha vs. CA, (August 18, 1997); Geagonia vs. CA, February 6,
1995); RCBC vs. CA (289 SCRA 292); Gaisano Cagayan, Inc. vs. Insurance
Company of North America, G.R. No. 147839 (June 8, 2006).
A. Concealment
1. Concept (Sec. 26, ICP)
2. Duty to communicate (Sec. 28, ICP)
3. Test of materiality (Sec. 31, ICP)
4. Effect of concealment (Sec. 27 & 29, ICP)
5. Matters which need not be communicated (Sec. 30, 32,
34, & 35 ICP)
6. Waiver of information (Sec. 33, ICP)
B. Representation
D. Warranties
Cases: Great Pacific Life Assurance vs. CA (316 SCRA 678); Sun Life
Assurance Co. of Canada vs. CA (G.R. No. 105135, June 22, 1995); Philamcare
Health Systems Inc. vs. CA (379 SCRA 356); Vda de Canilang vs. CA (G.R. No.
92492, June 17, 1993); Tan vs. CA (June 29, 1989); Prudential Guarantee vs.
Trans-Asia Shipping Lines, Inc. G.R. No. 151890, 20 June 2006; Lourdes v.
Philam Plans, G.R. No. 186983, February 22, 2012
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V. The Policy of Insurance
Cases: Pacific Timber Export Corporation vs. CA (112 SCRA 199); Great
Pacific Life Assurance Corporation vs. CA, 89 SCRA 543); Asian Terminals, Inc.
v. First Lepanto-Taisho Insurance Corp., G.R. No. 185964, June 16, 2014 , 2002)
VI. Premium
A. Concept
B. Effect of non-payment of premium; Exceptions (Sec. 77, 78,
ICP, Art. 1306, NCC)
C. When insured entitled to return of premiums (Sec. 79-82, ICP)
Cases: Makati Tuscany Condominium Corp. vs. CA (215 SCRA 462); UCPB
General Insurance vs. Masagana Telamart (June 15, 1999); UCPB General
Insurance vs. Masagana Telamart (356 SCRA 307); American Home
Insurance vs. Chua (G.R. No. 130421, June 28, 1999); Tibay vs. CA (257
SCRA 126); Phil. Phoenix Surety & Ins., Co. vs. Woodworks, Inc., (92 SCRA
419)
Cases: Bonifacio Bros. Inc. vs. Mora (May 29, 1967); The Insular Life
Assurance vs. Ebrado, 80 SCRA 181); Vda. de Consuegra vs. GSIS (37 SCRA
315); Go vs. Redfern (72 Phil 71); Country Bankers Insurance Corporation vs.
Lianga Bay (January 25, 2002)
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B. Distinguished from over-insurance
C. Stipulation against double insurance
D. Rules for payment where there is over-insurance by double
insurance (Sec. 94, ICP)
IX. Reinsurance
X. Marine Insurance
A. Definition
B. Scope of marine insurance (Sec. 99, ICP)
C. Risks or losses covered in marine insurance
1. perils of the sea vs. perils of the ship
2. all risks marine insurance policy
E. Concealment
1. Meaning of concealment in marine insurance
2. Duty to communicate (Sec. 107, ICP)
3. Opinions or expectations of third persons (Sec. 108, ICP)
4. When concealment does not vitiate the entire contract
(Sec. 110, ICP)
F. Representations
1. Effect of false representation by the insured (Sec. 111,
ICP)
2. Effect of false representation as to expectation (Sec. 112,
ICP)
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a. meaning of deviation (Sec. 123, ICP)
b. when proper (Sec. 124, ICP)
c. effect of improper deviation (Sec. 125, ICP)
H. Loss
1. Kinds of losses (actual and constructive) (Sec. 130, 131, &
132, ICP)
2. Right to payment upon an actual total loss (Sec. 135, ICP)
3. Scope of insurance against actual total loss (Sec. 137,
ICP)
4. When constructive total loss exists (Sec. 139, ICP)
5. Concept of abandonment and its requisites
6. Average
1. Kinds of average (particular and general)
2. Requisites of general average
3. Insurers liability for general average
Cases: Roque vs. IAC (139 SCRA 596); Go Tiaco vs. Union Ins. Society of
Canton (40 Phil 401); Cathay Insurance vs. CA (151 SCRA 710); Filipino
Merchants Insurance Co. vs. CA (179 SCRA 638); Oriental Assurance
Corporation vs. CA (200 SCRA 459)
XIII. Suretyship
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C. Liability of insurer in case of suicide (Sec. 180-A, ICP)
D. Right to assign life insurance policy (Sec. 181 & 182, ICP)
E. Measure of indemnity (Sec. 183, ICP)
Cases: Vda. de Gabriel vs. CA (November 14, 1996); Vda. de Maglana vs.
Hon. Consolacion (August 6, 1992); Tiu vs. Arriesgado (GR No. 138060, 01
September 2004)
Cases: Tio Khe Chio vs. CA (September 30, 1991); Finman General Assurance
Corporation (July 12, 2001); see again: Prudential Guarantee vs. Trans-Asia
Shipping Lines, Inc. G.R. No. 151890, 20 June 2006