TABLE OF CONTENTS

I. 1. 2. 3. 4. 5. 6. 7. 8. 9. CONSTRUCTION OF INSURANCE CONTRACT Calanoc v. Court of Appeals, 98 Phil. 79 [1955] Biagtan v. Insular Life Assurance Co., Ltd., 44 SCRA 58 Finman Gen. Insurance Corp. v. Court of Appeals, 213 SCRA 493 [1992] Zenith Insurance Corp. v. Court of Appeals, 185 SCRA 398 Sun Insurance Office Ltd. V. Court of Appeals, 211 SCRA 554 [1992] Villacorta v. Insurance Commission, 100 SCRA 467 Figuracion Vda. De Maglana v. Hon. Francisco Consolacion 212 SCRA 268 [1992] Perla Compania de Seguro, Inc. v. court of Appeals, 208 SCRA 487 Geagonia v. Court of Appeals, 241 SCRA 152 [1995] PAGE No. 1 3 4 5 6 7 9 10 12 14 16 18 19

10. Fortune Insurance and Surety Co., Inc. v. Court of Appeals, 244 SCRA 308 [1995] 11. Edillon v. Manila Bankers Life, 117 SCRA 187 12. Perla Compania de Seguro v. CA, 185 SCRA 741 [1990] 13. Aisporna v. CA, 113 SCRA 459

14. White Gold Marine Insurance Services. Inc. vs. Pioneer Insurance and Surety Corporation and Steamship Mutual Underwriting Association Ltd. [G.R. No. 154514, July 28, 2005 464 SCRA 448] 20 15. Republic vs. Sunlife Assurance Company of Canada [473 SCRA 129, Oct. 14, 2005] 16. Philam Care Health Systems, Inc. v. Court of Appeals, 379 SCRA 356 [2002] 17. Commissioner of Internal Revenue v. Lincoln Philippine Life Insurance Company, 379 SCRA 423 22 24

26

II.

PERFECTION OF INSURANCE CONTRACT
28 29 30

18. Enriquez v. Sun Life Assurance Co. of Canada, 41 Phil. 269 19. Great Pacific Life Insurance Co. v. Court of Appeals, 89 SCRA 543 20. Philamcare Health Systems, Im.c v. Court of Appeals, 379 SCRA 356 [2002]

21. Development Bank of the Phils. v. Court of Appeals, 231 SCRA 370 [1994] 22. Gulf Resorts, Inc. v. Phil Charter Insurance, Corp., 458 SCRA 550 [2005]

31 33

III.

SUBROGATION 34 35 36

23. Malayan Insurance Co., Inc. v. Court of Appeals, 165 SCRA 536 24. Manila Mahogany v. Court of Appeals, 154 SCRA 650 25. Pan Malayan Ins. Corp. v. Court of Appeals, 184 SCRA 54

26. Cebu Shipyard and Engineering Works, Inc. v. William Lines, 306 SCRA 762, G.R. No. 132607, May 5, 1999 37 27. Delsan Transport Lines, Inc. v. Court of Appeals, 369 SCRA 24 [2001] 28. Federal Express Corporation v. American Home Assurance Company, 437 SCRA 50 [2004] 38

40

IV.

INSURABLE INTEREST 42 44

29. Sps. Nilo and Stella Cha v. Court of Appeals, 277 SCRA 690 [1997] 30. Great Pacific Life Insurance Corp. v. CA, 316 SCRA 67 [1999]

31. Harvardian Colleges of San Fernando Pampanga, Inc. v. Country Bankers Insurance Corp., CA CV No. 03771, January 6, 1986 1 CARA 1 46 32. Ang Ka Yu v. Phoenix Assurance Co. Ltd., 1 SCRA 704 [1961] 47

33. Gaisano Cagayan, Inc. vs. Insurance Company of North America [G.R. No. 147839, June 8, 2006] 102 34. Eternal Gardens Memorial Park Corp. vs. Philippine American Life Insurance Corp. [G.R. No. 166245, April 9, 2008]

V.

CONCEALMENT AND REPRESENTATION 49 51 52

35. Insular Life Assurance Co. v. Serafin D. Feliciano, 74 Phil. 468 36. Sunlife Assurance Co. of Canada v. Court of Appeals, 245 SCRA 268 [1995] 37. Thelma Vda. De Canilang v. Court of Appeals, 223 SCRA 443 [1993]

VI.

PERSONS ENTITLED TO RECOVER UNDER THE POLICY 53 54

38. Bonifacio Bros. v. Mora, 20 SCRA 261 39. First Integrated Bonding & Insurance Co. v. Hernando 199 SCRA 796 [1991]

40. Sherman Shaper v. Hon. Judge RTC of Olongapo City 167 SCRA368

55

VII.

INCONTESTABILITY CLAUSE 56

41. Tan v. Court of Appeals, 174 SCRA 403

VIII.

LIABILITY UNDER AN OPEN POLICY 57

42. Development Insurance Corp. v. Intermediate Appellate Court, 143 SCRA 62

IX.

PRESCRIPTION OF ACTION 58

43. Sun Insurance Office Ltd. V. Court of Appeals, 195 SCRA 139 [1991] 44. Jacqueline Jimenez Vda. De Gabriel v. Court of Appeals, 264 SCRA 137 [1996]

59

X.

PREMIUM PAYMENTS 60 61 62

45. Malayan Insurance Co. Inc. v. Gregorio Cruz Arnaldo, 154 SCRA 672 46. Makati Tuscany Condominium Corp. v. Court of Appeals, 215 SCRA 462 [1992] 47. South Sea Surety and Ins. Co. Inc. v. Court of Appeals, 244 SCRA 744 [1995]

48. Sps. Antonio Tibay and Violeta Tibay et. al. v. Court of Appeals, 257 SCRA 126 [1996] 63 49. UCPB General Insurance Co. Inc. vs. Masagana Telemart, Inc., 356 SCRA 307 [2001] 50. American Home Assurance Co. v. Antonio Chua, 309 SCRA 250 [1999] 51. Paulin v. Insular Life Assurance. Co. Ltd., 47 OG 3012 [1949] 64 66 68

XI.

DOUBLE INSURANCE 69 71

52. Pioneer Insurance & Surety Corp. v. Olivia Yap 61 SCRA 426 53. Republic Bank v. Phil. Guaranty Co., Inc., 47 SCRA 271

XII.

MARINE INSURANCE 72 74 76 78

54. Oriental Assurance Corp. v. Court of Appeals, 200 SCRA 459 [1991] 55. Roque v. Intermediate Appellate Court, 139 SCRA 597 56. Filipinas Merchants Insurance v. court of Appeals, 179 SCRA 638 57. Choa Tek Seng v. Court of Appeals, 18. SCRA 223

Inc. Inc. 351 [1981] XV. 147039. 361 SCRA 514 [2001] 67. 369 SCRA 24 80 XIII. JURISDICTION OF THE INSURANCE COMMISSION 72. 215 61. Court of Appeals. Lianga Bay and Community MutiPurpose Cooperative. Islands v. Posadas. January 27. Hon. Inc. v. 202 SCRA 119 [1991] 66. Court of Appeals. Finman Assurance Corporation v. Ebrado. v. Perla Compania de Seguro. 203 SCRA 487 [1991] 71. v. CLAIMS SETTLEMENT (Secs. Perla Compania de Seguro. 1999 94 96 97 99 XVIII. Phil. 29 Phil. 374 SCRA 653 [2002] XVII. Ramolete. v. 2006] 105 . Bank of the Phil. Del Val v. Court of Appeals. June 21. Government Service Insurance System v. Philippine American Life Insurance Co. Court of Appeals. Country Bankers Insurance Corporation v. Insular Life v. Radio Mindanao Network. CASH SURRENDER VALUE 86 62. BURDEN OF PROOF 1. 230 SCRA 164 XVI. Manufacturing Life Insurance Co. SURETYSHIP 87 89 63. Delsan Transport Lines. First Quezon City Insurance Co. Meer. Compulsory Motors Vehicle Liability INSURANCE 93 68. Court of Appels. Del Val. 56 Phil. [G. Constante Ancheta. Development Bank of the Phils. 234 & 244) AND PROOF OF LOSS 90 91 65. v. 218 SCRA 525 [1993] 70. v. 80 SCRA 181 XIV. 89 Phil. 234 SCRA 509 [1994] 101 XIX. No.58.. Inc. 231 SCRA 370 [1994] 64.R. Tio Khe Chio vs. 308 SCRA 559. Pryce Assurance Corp. Ansaldo. CA. LIFE INSURANCE 82 83 85 59. 535 60. DBP Pool Accredited Insurance Company vs. v. 164 SCRA 144 69. v. Court of Appeals.

Republic V. June 20. Manuel M. 2007] 111 XXII. August 6. Serrano [G. vs. 2008] 113 . vs. CONSTRUCTION OF INSURANCE CONTRACTS 1. Del Monet Motors. [G.. No. June 22.. vs. SUBROGATION 1. [504 SCRA 53. BREACH OF WARRANTY 1.R. 151890. 163256. 2006] 2.XX. 2006] 107 XXI. Prudential Guarantee and Assurance. Inc. Inc. Ltd. Insurance Co. October 9. Of North America [G. Inc. 109 Insular Life Assurance Co. 168402. No. Trans-Asia Shipping Lines.R.R. Aboitiz Shipping Corp. No.

To my parents who have been always with me And to our heavenly Father. Every single session was worth the sacrifice. Dean Jose Sundiang. and to have belonged to his class for the second time this school year. who is a master in the said field. for his passion in sharing with us his knowledge in the said field. and this once in a lifetime opportunity. for the gift of life. . I am glad and very honoured to have been taught by him.Acknowledgement I would like to thank our dear professor in Insurance law.

CONSTRUCTION OF INSURANCE CONTRACT .

PERFECTION OF INSURANCE CONTRACT .

SUBROGATION .

INSURABLE INTEREST .

CONCEALMENT AND PRESENTATION .

PERONS ENTITLED TO RECOVER UNDER THE POLICY .

INCONTESTABILITY CLAUSE .

LIABILITY UNDER AN OPEN POLICY .

PRESCRIPTION OF ACTION .

PREMIUM PAYMENTS .

DOUBLE INSURANCE .

MARINE INSURANCE .

LIFE INSURANCE .

CASH SURRENDER VALUE .

SURETYSHIP .

234 AND 244) .CLAIMS SETTLEMENT (SECS.

COMPULSORY MOTOR VEHICLE LIABILITY INSURANCE .

JURISDICTION OF THE INSURANCE COMMISSION .

ADDITIONAL CASES IN INSURANCE .

INSURANCE INTEREST .

BURDEN OF PROOF .

BREACH OF WARRANTY .

CONSTRUCTION OF INSURANCE CONTRACTS .

SUBROGATION .

Errol L. 2S . Sundiang Submitted by: Albano. Manila Case Digests For Insurance Law Submitted to: Dean Jose R.San Beda College of Law Mendiola.

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