B. Laws governing insurance C. General concept of insurance D. Characteristics E. Elements of insurance F. Right of subrogation G. Jurisprudence/Supreme Court Cases: 1. Republic v. Del Monte Motors, Inc., G.R. No. 156956, October 9, 2006; 2. Philippine Health Care Providers, Inc. v. CIR, G.R. No. 167330, September 18, 2009 3. The Insular Life Assurance v. Ebrado, 80 SCRA 181; 4. Perez vs. Court of Appeals, G.R. No. 112329, January 28, 2000 5. White Gold Marine Services v. Pioneer Insurance, et al., GR No. 154514, 28 July 2005; 6. Verendia vs. CA, 217 SCRA 417; 7. Rizal Surety and Insurance Co. v. CA, 336 SCRA 12; 8. Philamcare Health Systems Inc. v. CA, 379 SCRA 356; 9. Fortune Insurance and Surety Co., Inc. v. CA, 244 SCRA 308; 10. Gulf Resorts Inc. v. Philippine Charter Insurance Corp., GR No. 156167, 16 May 2005; 11. Manila Mahogany v. CA, 154 SCRA 650; 12. Federal Express Corporation v. American Home Assurance Company and Phil-Am Insurance Company, Inc., G.R. No. 150094, 18 August 2004; 13. Eternal Gardens Memorial Park Corporation v. Phil. American Life Insurance Co., GR No. 166245, 09 April 2008.