Insurance Law

ASSIGNMENT FOR JULY 7-8 2018

I. GENERAL PROVISIONS
 Sections 1-2, Insurance Code (PD 612); De Leon, pages 1-60

1. Concept of insurance
2. History and origin of insurance; sources of Philippine insurance law
3. Laws governing insurance
4. Applicability of the Civil Code – Art. 2011, Civil Code (“CC”)
a) Requisites for validity of contract in general
- Offer and acceptance; consent; subject matter; cause or consideration; capacity of
contracting party
See: De Lim v. Sun Life of Canada, GR 15774, 29 November 1929
Enriquez v. Sun Life of Canada, 41 Phil. 269, 29 November 1920
Perez v. Court of Appeals, 323 SCRA 613 (2000)
DBP v. Court of Appeals & Dans, et al., 231 SCRA 370 (1994)
Zenith Insurance v. Fernandez, 186 SCRA 398 (1990)
b) Void donations – Art. 2012 & Art. 739, CC
See: Insular Life v. Ebrado, et al., 80 SCRA 181 (1977)
c) Life annuity contracts - Art. 2021-2127, CC
d) Compulsory motor vehicle liability insurance - Art. 2186, CC
5. Contract of insurance
a) Definition
b) Requisites for validity
c) Distinguishing or essential elements
d) Characteristics
See: Gulf Resorts v. Philippine Charter Insurance, 458 SCRA 550 (2005)
6. Subrogation – Art. 2027, CC
See: Pan Malayan Insurance v. Court of Appeals, 184 SCRA 54 (1990)
Manila Mahogany v. Court of Appeals, 154 SCRA 650 (1987)
Federal Express v. American Home Assurance, 437 SCRA 50 (2004)
Sveriges Assurance v. Qua Chee Gan, 21 SCRA 12 (1967)
Rizal Surety and Insurance v. Manila Railroad, 23 SCRA 205 (1968)
National Union Fire Insurance v. Stolt-Nielsen, 184 SCRA 1990
St. Paul Fire & Marine v. Macondray, 70 SCRA 122 (1976)
Cebu Shipyard v. William Lines, 306 SCRA 762 (1999)
Fireman’s Fund Assurance v. Jamila & Co., 70 SCRA 323 (1976)
F.F. Cruz & Co. v. Court of Appeals, 164 SCRA 731 (1986)
Compania Maritima v. Insurance Co. of North America, 12 SCRA 213
7. Construction of insurance contracts
See: Art. 1377, CC
Calanoc v. Court of Appeals, GR L-1851, 16 Dec. 1955
Biagtan v. Insular Life, 41 SCRA 58 (1972)
Qua Chee Gan v. Law Union and Rock Insurance Co., 98 Phil. 85 (1955)
Ty. First National Surety Assurance, 1 SCRA 1324 (1961)
De la Cruz v. Capital Insurance, 17 SCRA 559 (1966)
Taurus Taxi v. Capital Insurance, 24 SCRAA 454 (1968)
CCC Insurance v. Court of Appeals, 31 SCRA 264 (1970)
Sun Life Insurance v. Court of Appeals, 211 SCRA 554 (1990)
Perla Cia. De Seguros v. Court of Appeals, 208 SCRA 487 (1992)
Fortune Insurance v. Court of Appeals, 244 SCRA 308 (1996)
8. Business of insurance
See: White Gold Marine Services v. Pioneer Insurance, 464 SCRA 448 (2005)
Philamcare Health Systems v. Court of Appeals, 379 SCRA 356
9. Classes of insurance