Table of Contents

 Origin And Growth Of Insurance.........................................................................................................9

Philippine Shipping Co. V. Garcia...........................................................................................................10
2. Abueg V. San Diego............................................................................................................................11
3. Yangco V. Laserna..............................................................................................................................12
4. Manila Steamship Co. V. Abdulhaman...............................................................................................13
5. Chua Yek Hong V. IAC........................................................................................................................14
6. Heirs De Los Santos V. CA..................................................................................................................15
7. Aboitiz Shipping Corporation V. New India Assurance.......................................................................16
 Growth Of Insurance In The Philippines............................................................................................17
8. Insular Life V. Feliciano......................................................................................................................17
 Applicability Of The Laws Governing Insurance.................................................................................19
9. Gercio V. Sun Life Assurance Of Canada............................................................................................19
10. Ang Giok Chip V. Springfield............................................................................................................20
 Jurisdiction Of The Insurance Commission........................................................................................21
13. Almendras Mining Corporation V. Office Of The Insurance Commissioner.....................................21
14. Philam Life V. Ansaldo.....................................................................................................................22
15. Republic V. Del Monte Motors........................................................................................................24
16. Malayan Insurance Co., Inc., Et Al V. Emma Concepcion L. Lin........................................................24
17. Finman General Assurance V. Inocencio..........................................................................................26
 Concept Of Insurance........................................................................................................................27
18. Mayer Steel Pipe Corp., V. CA..........................................................................................................27
 Synallagmatic Contract......................................................................................................................29
19. UCPB General Insurance V. Masagana Telemart.............................................................................29
o Vitug Dissenting Opinion:.........................................................................................................33
 Definition, Elements, Characteristics, Or Kinds Of Insurance............................................................33
20. San Miguel Brewery V. Law Union And Rock Insurance Co..............................................................34
21. Palileo V. Cosio................................................................................................................................36
22. Saura Import & Export Co., Inc. V. Philippine International Surety Co.,...........................................38
 24. White Gold Marine Services, Inc., V. Pioneer Insurance And Surety Corp.,.................................39
25. Gulf Resorts, Inc. V. Philippine Charter Insurance Corporation.......................................................40
...............................................................................................................................................................42
 27. Manila Bankers Life Insurance V. Aban........................................................................................42
 28. Alpha Insurance And Surety Co. V. Arsenia Sonia Castor.................................................................43
 29. Jaime T. Gaisano Vs. Development Insurance And Surety Corporation.......................................44
 Health Care Agreements....................................................................................................................47
30. Philamcare Health Systems, Inc., V. CA And Julita Trinos................................................................47
31. Blue Cross Health Care V. Olivares..................................................................................................48
 Other Similar Arrangements; Protection And Indemnity Club...........................................................50
32. Pandiman Philippines, Inc. V. Marine Manning Management Corporation And Rosita Singhid .....50
 Construction / Interpretation Of Insurance Contracts.......................................................................52
35. Sun Insurance Office Ltd., Vs. Ca And Nerissa Lim...........................................................................52
36. New Life Enterprises And Julian Sy Vs. Hon. Court Of Appeals, Equitable Insurance Corporation,
Reliance Surety And Insurance Co., Inc. And Western Guaranty Corporation.......................................53
40. Qua Chee Gan V. Law Union And Rock Insurance Co., Ltd ..............................................................54
41. Fieldmen's Insurance Co., Inc., V. Vda. De Songco, Et Al. ................................................................56
42. Western Guaranty Corp. V. CA........................................................................................................58
 Insurable Interest – Definition And Purpose......................................................................................60
46. Violeta R. Lalican, Vs. The Insular Life Assurance Company Limited, As Represented By The
President Vicente R. Avilon....................................................................................................................60
47. Malayan Insurance V. PAP Co..........................................................................................................62
 Insurable Interest In Life Insurance...................................................................................................64
50. El Oriente Fabrica De Tabacos, Inc. V. Posadas................................................................................64
 Insurable Interest In Property............................................................................................................65
51. Lampano V. Jose..............................................................................................................................65
 Insurable Interest In Property\..........................................................................................................67
54. Spouses Cha V. CA...........................................................................................................................67
55. Malayan Insurance Co., Inc., V. Philippines First Insurance Co., Inc. And Reputable Forwarder
Services, Inc..........................................................................................................................................68
 Double Insurance/ Over-Insurance/ Re-Insurance............................................................................70
57. PIONEER INSURANCE AND SURETY CORPORATION V. COURT OF APPEALS....................................70
58. Armando Geagonia V. Court Of Appeals And Country Bankers Insurance Corporation...................71
 Consensuality Of Contracts Of Insurance..........................................................................................73
60. Manila Mahogany V. Court Of Appeals............................................................................................73
 Consensuality Of Contracts Of Insurance..........................................................................................75
61. Malayan Insurance Co., Inc. V. CA And Pantranco...........................................................................75
63. Asian Terminals, Inc. V. Malayan Isnurance Co., Inc........................................................................77
 Form Of Insurance Contract..............................................................................................................79
64. Viola Badger V. New York Life Insurance Co., Inc.,...........................................................................79
 Premium............................................................................................................................................81
68. Philippine Phoenix Surety & Insurance, Inc. Vs. Woodworks, Inc.,..................................................81
69. Laura Velasco And Greta Acosta Vs. Hon. Sergio A. F. Apostol And Maharlika Insurance Co., Inc...82
 Payment Of Premium........................................................................................................................84
70. VALENZUELA V. COURT OF APPEALS And PHILAMGEN....................................................................84
 Any Topic Involving Payment Of Premium Or Premium Payment Of Life Insurance.........................85
72. Sps. Tibay, Et Al. V. CA And Fortune Life And General Insurance Co., Inc.,......................................85
73. South Sea Surety And Insurance Company, Inc. V Hon. Court Of Appeals And Valenzuela Hardwood
And Industrial Supply, Inc......................................................................................................................87
 Payment Of Premium........................................................................................................................88
74. Servicewide Specialist, Inc. V. CA.....................................................................................................88
 Premium Payment In Life Insurance..................................................................................................90
75. American Home Insurance V. Tantuco Enterprises..........................................................................90
 Premium Payment In Life Insurance..................................................................................................92
76. American Home Assurance V. Tantuco Enterprises......................................................................92
 79. Fortunata Lucero Viuda De Sindayen V. The Insular Life Assurance Co., Ltd.,.............................94
80. Virginia A. Perez V. Court Of Appeals And BF Lifeman Insurance Corporation................................95
 Types Of Policies................................................................................................................................97
82. Development Insurance Corporation V Intermediate Appellate Court, And Philippine Union Realty
Development Corporation.....................................................................................................................97
 Parties To The Policy Of Insurance.....................................................................................................98
83. Estate Of Villanueva V. Oro..............................................................................................................98
 Parties (Insurer, Insured, Beneficiaries).............................................................................................99
84. Filipinas Compañia De Seguros V Christern, Huenefeld And Co., Inc...............................................99
 Parties To Te Policy Of Insurance.....................................................................................................101
85. Nario Vs. Philamlife Insurance Company.......................................................................................101
 Parties To The Policy Of Insurance...................................................................................................103
86. In Re: Mario Chanliongco...............................................................................................................103
 Parties (Insurer, Insured, Beneficiaries)...........................................................................................104
87. Philamlife V. Pineda.......................................................................................................................104
89. Pilar C. De Lim Vs. Sun Life Assurance Company Of Canada..........................................................105
90. Go V. Redfern................................................................................................................................108
 91. Paulo Ang And Sally C. Ang V. Fulton Fire Insurance Co., Et Al......................................................109
92. Coquia V. Fieldmen's Insurance Co., Inc........................................................................................110
 Concealment, Misrepresentation, or the Incontestable Clause of Insurance Contract...................111
94. Development Insurance Corporation Vs. Iac And Purdc................................................................111
 The Policy Of Insurance, Parties And Their Rights...........................................................................112
95. Fortune Insurance And Surety Co., Inc. V Court Of Appeals And Producers Bank Of The Philippines
.............................................................................................................................................................112
96. Country Bankers Insurance Corp. Vs. Lianga Bay & Community Multi-Purpose Coop...................114
 Rescission of Insurance Contracts, Concealment, Misrepresentation, and Breach of Warranties. .115
100. Tan Chay Hueng V. West Coast Life Insurance.............................................................................115
101. Argente v. West Coast Life Insurance Co.....................................................................................116
102. Segundina Musñgi, Et Al. V. West Coast Life Insurance Co..........................................................118
103. Yu Pang Cheng Alias Yu Pang Ching V. The Court Of Appeals, Et Al.............................................119
 Concealment....................................................................................................................................120
104. Ignacio Saturnino V. Philippine American Life Ins. Co..................................................................120
 Concealment....................................................................................................................................121
105. REGINA L. EDILLON V. MANILA BANKERS LIFE INSURANCE CORPORATION.................................121
106. Ng Gan Zee V. Asian Crusader Life Assurance Corporation..........................................................123
 Any Topic Involving Concealment, Misrepresentation Or The Incontestability Clause Of The
Insurance Contract..................................................................................................................................125
108. Tan, Et Al. V. Ca And Phil-Am Life................................................................................................125
109. Vda De Canilang V. Ca And Great Pacific Life Assurance Corporation..........................................126
 Concealment; Life Insurance (Section 181, Insurance Code)...........................................................127
 110. Great Pacific Life Assurance Company V Honorable Court Of Appeals....................................128
 Concealment, Misrepresentation, The Incontestable Clause In Life Insurance Policies..................129
110. Ma. Lourdes S. Florendo V. Philam Plan, Inc., Perla Abcede, Et. Al..............................................130
 Rescission Of Insurance Contract, Concealment, Misrepresentation And Breach Of Warranties....132
111. Manila Bankers Life Insurance Corp. V. Aban..............................................................................132
 Rescission Of Insurance Contracts : Incontestable Clause...............................................................134
112. SUN LIFE OF CANADA (PHILIPPINES), INC. V. MA. DAISY SIBYA...................................................134
 Express And Implied Warranty........................................................................................................135
114. E. M. BACHRACH V. BRITISH AMERICAN ASSURANCE COMPANY, A Corporation;.......................135
 Breach Of Warranty.........................................................................................................................136
115. Young v Midland Textile Insurance..............................................................................................136
 116. Prudential Guarantee And Assurance Inc. V. Trans-Asia Shipping Lines, Inc...............................137
 Action To Rescind............................................................................................................................138
117. MALAYAN INSURANCE CO., INC. V.  PHILIPPINE NAILS AND WIRES CORPORATION....................138
 Waiver Of The Right To Rescind.......................................................................................................139
118. American Home Assurance Company Vs. Antonio Chua.............................................................139
 Specified Risks Vs All Risks Policy.....................................................................................................141
119. GLOREN, INC. Vs. FILIPINAS CIA DE SEGUROS, ET AL.,.................................................................141
 Exceptions And Exclusions Of Risks And Coverages.........................................................................142
120. United Merchants Corp. Vs. Country Bankers Insurance Corp....................................................142
 Exceptions And Exclusions Of Risks And Coverages.........................................................................145
121. DBP Pool Of Accredited Insurance Companies V Radio Mindanao Network, Inc.........................145
 Principles In Causation.....................................................................................................................148
122. Fgu Insurance Corp. V. Court Of Appeals.....................................................................................148
 Accidental Death And Death By Accidental Means..........................................................................150
123. FINMAN V. CA, G.R. No. 100970, SEPTEMBER 2, 1992................................................................150
 Accidental Death And Death By Accidental Means..........................................................................151
125. Biagtan V. Insular.........................................................................................................................151
 Risks And Coverages Of Life Insurance; Other Cases.......................................................................153
126. THE MANUFACTURERS LIFE INSURANCE CO. V. MEER, 89 PHIL 351, (1951)...............................153
 Risks And Coverages........................................................................................................................155
127. JAMES MCGUIRE V. THE MANUFACTURERS LIFE INSURANCE CO.;..............................................155
 Life Insurance..................................................................................................................................157
128. Rufino D. Andres, Vs. The Crown Life Insurance Company..........................................................157
 Fire Insurance..................................................................................................................................158
129. Simon De La Cruz V. The Capital Insurance And Surety Co., Inc...................................................158
 Risks And Coverages Of Life Insurance............................................................................................159
130. THE INSULAR LIFE ASSURANCE COMPANY, LTD. V. CARPONIA T. EBRADO And PASCUALA VDA. DE
EBRADO...............................................................................................................................................159
131. GREPALIFE V. CA..........................................................................................................................160
 Risks And Coverages Of Life Insurance............................................................................................161
132. THE INSULAR LIFE ASSURANCE COMPANY Vs. KHU, ET AL.,........................................................161
 Risk And Coverages Of Life Insurance..............................................................................................163
133. Tan Chuco V. Yorkshire Fire And Life Insurance Company...........................................................163
 Risks And Coverages Of Casualty Insurance.....................................................................................164
134. Development Insurance V. IAC, Et. Al..........................................................................................164
 Risk And Coverages Of Fire Insurance..............................................................................................166
135. New Life Enterprises, Et Al. Vs. Court Of Appeals, Et Al.,.............................................................166
 Risks And Coverages Of Fire Insurance............................................................................................168
136. PHILIPPINE HOME ASSURANCE CORPORATION V. CA,................................................................168
 Casualty Insurance; Meaning Of “Accident” And “Accidental” In Casualty Insurance.....................170
139. SUN INSURANCE OFFICE, LTD. V. THE HON. COURT OF APPEALS And NERISSA LIM;...................170
140. Alpha Insurance And Surety Co. Vs. Arsenia Sonia Castor...........................................................172
 Risks And Coverages Of Life Insurance............................................................................................172
141. Phil-Nippon Kyoei, Corp. Vs. Rosalia T. Gudelosao, On Her Behalf And In Behalf Of Minor Children
Christy Mae T. Gudelosao And Rose Elden T. Gudelosao, Carmen Tancontian, On Her Behalf And In
Behalf Of The Children Camela B. Tancontian, Beverly B. Tancontian, And Ace B. Tancontian...........173
 Risks And Coverages Of Suretyship..................................................................................................174
142. MELECIO ARRANZ V. MANILA FIDELITY AND SURETY CO., INC....................................................174
143. Reparations Com. V. Universal Deep Sea Fishing.........................................................................175
 Risks And Coverages Of Suretyship..................................................................................................176
144. CAPITAL INSURANCE AND SURETY CO., Vs. RONQUILLO TRADING AND BAUTISTA,....................176
 Risks And Coverages Of Suretyship..................................................................................................177
145. Antonio Zaragoza V. Maria Angela Fidelino And/Rr "John Doe," Defendants Mabini Insurance &
Fidelity Co., Inc....................................................................................................................................177
 Suretyship........................................................................................................................................179
146. Eastern Assurance Co. V. IAC.......................................................................................................179
 Risks And Coverages Of Suretyship..................................................................................................181
147. Stronghold Insurance Vs. Court Of Appeals.................................................................................181
 Risks And Coverages Of Suretyship..................................................................................................183
148. NATIONAL POWER CORPORATION V. CA,....................................................................................183
 Suretyship........................................................................................................................................184
150. PRUDENTIAL GUARANTEE And ASSURANCE, INC. V. EQUINOX LAND CORPORATION;................184
151. AFP General Insurance Corporation Vs. Noel Molina..................................................................186
 Risk And Coverages Of Comprehensive Motor Vehicle Liability Insurance......................................187
152. Intra-Strata Assurance Corporation And Philippine Home Assurance Corporation V. Republic Of
The Philippines, Represented By The Bureau Of Customs...................................................................187
 Risks And Coverages Of Suretyship..................................................................................................189
 153. FIRST LEPANTO-TAISHO INSURANCE CORPORATION  V. CHEVRON PHILIPPINES, INC..................189
 Comprehensive MOTOR VEHICLE LIABILITY INSURANCE.................................................................190
155. Perla Compania De Seguros, Inc., Vs. Hon. Constante A. Ancheta...............................................190
 Risks And Coverages Of Comprehensive Motor Vehicle Insurance.................................................192
156. FAR EASTERN SURETY AND INSURANCE COMPANY, INC. Vs. VDA. DE MISA, ET AL,....................192
 Risks And Coverages Of Comprehensive Motor Vehicle Liability Insurance....................................193
157. Sherman Shafer V. Hon. Judge, Regional Trial Court Of Olongapo City, Branch 75, And Makati
Insurance Company, Inc......................................................................................................................193
158. Peza V. Alikpala............................................................................................................................194
 Risks And Coverages Of Comprehensive Motor Vehicle Liability Insurance....................................195
159. Western Guaranty Corp. V. CA....................................................................................................195
 Comprehensive Motor Vehicle Liability Insurance..........................................................................197
160. PERLA COMPANIA DE SEGUROS, INC.  V. CA AND LIM,................................................................197
 Comprehensive Motor Vehicle Liability Insurance..........................................................................199
162. FIRST QUEZON CITY INSURANCE COMPANY, INC. V. THE HON. COURT OF APPEALS And DE DIOS
MARIKINA TRANSPORTATION CO.;......................................................................................................199
163. First Integrated Bonding &Insurance Company, Inc. v. Hon. Hernando......................................200
 Risks And Coverages Of Comprehensive Motor Vehicle Liability Insurance....................................201
164. Paramount Insurance Corporation V. Spouses Yves And Maria Teresa Remondeulaz................202
 Risks And Coverages Of Reinsurance...............................................................................................202
165. EQUITABLE INSURANCE AND CASUALTY COMPANY, INC. V. RURAL INSURANCE AND SURETY
COMPANY, INC....................................................................................................................................203
 Risks And Coverages Of Reinsurance...............................................................................................204
166. Philam V. Auditor General...........................................................................................................204
 Risks And Coverages Of Reinsurance...............................................................................................206
167. GIBSON Vs. CA AND LEPANTO CONSOLIDATE MINING CORP.,....................................................206
 Risks And Coverages Of Reinsurance...............................................................................................207
168. Pioneer Insurance & Surety Corporation V. The Hon. Court Of Appeals, Border Machinery &
Heavy Equipment, Inc., Constancio M. Maglana And Jacob S. Lim......................................................207
 Marine Insurance.............................................................................................................................209
169. La Razon Social "Go Tiaoco Y Hermanos" V. Union Insurance Society Of Canton........................209
 Concept Of General Average In Marine Insurance..........................................................................210
170. COMPAGNIE DE COMMERCE ET DE NAVIGATION D'EXTREME ORIENT Vs. THE HAMBURG
AMERIKA PACKETFACHT ACTIEN GESELLSCHAFT.................................................................................210
 Concept Of Particular Average In Marine Insurance........................................................................211
171. Magsaysay Vs. Agan.....................................................................................................................211
 Risks Covered Under Marine Insurance...........................................................................................213
172. ROQUE V. IAC,..............................................................................................................................213
174. Puromines, Inc. V. Court Of Appeal And Philipp Brothers Oceanic, Inc.......................................214
 Insurable Interest In Marine Insurance............................................................................................217
175. Coastwise Lighterage Corporation V. Court Of Appeals...............................................................217
176. Lea Mer Industries, Inc. V. Malayan Insurance Co., Inc................................................................218
 Kinds Of Losses Covered: Actual Total Loss.....................................................................................219
179. PAN MALAYAN INSURANCE CORP. Vs. CA AND FAO-UN,............................................................219
 Kinds Of Losses Covered: Actual Total Loss.....................................................................................220
180. Philippine Manufacturing Co.,  V. Union Insurance Society Of Canton, Ltd..................................220
 Kinds Of Losses Covered: Constructive Total Loss...........................................................................222
181. Oriental Assurance Corp. V. CA....................................................................................................222
 Kinds Of Losses Covered: Partial Loss..............................................................................................224
182. Aboitiz Shipping Corp. Vs. Philippine American General Insurance.............................................224
 Measure Of Indemnity In Marine Insurance....................................................................................226
183. Filipino Merchants Insurance V. Ca, 179 Scra 638 (1989)............................................................226
185. Delsan Transport Lines, Inc. v. The Hon. Court Of Appeals And American Home Assurance
Corporation.........................................................................................................................................227
186. Cebu Salvage Corporation V. Philippine Home Assurance...........................................................229
 Measure Of Indemnity.....................................................................................................................230
187. Keppel Cebu Shipyard, Inc. V. Pioneer Insurance And Surety Corporation..................................230
 Measure Of Indemnity.....................................................................................................................232
188. LOADSTAR SHIPPING CO., INC. V. PIONEER ASIA INSURANCE CORP............................................232
 Claim Settlement And Subrogation..................................................................................................233
189. PHILAMGEN V. Court Of Appeals.................................................................................................233
 Notice And Proof Of Loss In A Claim Settlement And Subrogation..................................................234
190. ABOITIZ SHIPPING CORPORATION Vs. INSURANCE COMPANY OF NORTH AMERICA,.................234
 Claims Settlement And Subrogation: Notice And Proof Of Loss......................................................236
191. Malayan Insurance Co., Inc., V. Rodelio Alberto And Enrico Alberto Reyes.................................236
 Conditions Before The Insured May Receive On The Policy After The Loss.....................................238
192. Stronghold Insurance Company V. Interpacific Container Services And Gloria Dee Chong.........238
 Notice And Proof Of Loss In A Claim Settlement And Subrogation..................................................240
193. BPI And FGU Insurance Corporation V. Yolanda Laingo...............................................................240
 Claim Settlement And Subrogation: Notice And Proof Of Loss........................................................243
195. PHILIPPINE CHARTER INSURANCE CORP V. CHEMOIL LIGHTERAGE WHITE GOLD CORP,............243
 Conditions Before The Insured May Receive On The Policy After The The Loss..............................245
196. Aboitiz Shipping Corporation V. Insurance Company Of North America.....................................245
 Collateral Source Rule......................................................................................................................247
197. Mitsubishi Motors Philippines Salaried Employees Union (Mmpseu) V. Mitsubishi Motors
Philippines Corporation.......................................................................................................................247
 Action By Insurer In Life Insurance..................................................................................................249
198. Teresa Vda. De Fernandez, Et Al. V. National Life Insurance Company Of The Philippines..........249
199. Cathay Insurance Co., Inc., Et. Al V. Court Of Appeals.................................................................250
 Delay In Payment Of Insurance Proceeds........................................................................................251
200. ZENITH INSURANCE CORP. Vs. CA AND FERNANDEZ,..................................................................251
 Fraudulent Claim Of The Insured.....................................................................................................253
201. Uy Hy & Co. V. The Prudential Assurance Co., Ltd.......................................................................253
 Bringing An Action And Prescription Of Action................................................................................254
202. Eagle Star Insurance V. Chia Yu....................................................................................................254
 Bringing An Action And Prescription Of Action................................................................................257
203. Ang Vs. Fulton Fire Insurance......................................................................................................257
 Bringing An Action And Prescription Of An Action...........................................................................259
204. LOPEZ V. FILIPINAS COMPANIA DE SEGUROS,.............................................................................259
Travellers Insurance & Surety Corporation V. Hon. Court Of Appeals.................................................261
 Claim Settlement and Subrogation: Right of Subrogation...............................................................263
208. Fireman's Fund Insurance Company And Firestone Tire And Rubber Company Of The Philippines
V. Jamila & Company, Inc. And First Quezon City Insurance Co., Inc...................................................263
 Claim Settlement And Subrogation: Right Of Subrogation..............................................................264
209. Pan Malayan Insurance V. Court Of Appeals...............................................................................264
210. The Philippine American General Insurance Company, Inc. Vs. Court Of Appeals And Felman
Shipping Lines......................................................................................................................................265