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July 31, 1961G.R. No. L-15862PAULO ANG and SALLY C. ANG, plaintiffs-appellees,vs.FULTON FIRE INSURANCE CO., ET AL., defendants.

Fats!

1. "#esent ation $as instituted %y t&e spouses "aulo 'n( and )ally *. 'n( a(ainst t&e Fulton Fi#e +nsu#ane*opany and t&e "a#aount )u#ety and +nsu#ane *opany, +n. to #eove# f#o t&e t&e fae value of afi#e insu#ane poliy issued in plaintiffs favo# ove#in( a sto#e o$ned and ope#ated %y t&e in +loos No#te.

2. defendant Fulton Fi#e +nsu#ane *opany issued a poliy No. F-/3030, in favo# of ". ) epa#tent)to#e )ally *. 'n(4 ove# stos of (ene#al e#&andise, onsistin( p#inipally of d#y (oods, ontained in a%uildin( oupied %y t&e plaintiffs. &e p#eiu is "500.00 annually. &e insu#ane $as issued fo# one yea#,%ut t&e sae $as #ene$ed fo# anot&e# yea#.

3. t&e sto#e ontainin( t&e (oods insu#ed $as dest#oyed %y fi#e. 7n ee%e# 30, follo$in(, plaintiffs eeutedt&e fi#st lai fo#.

. 7n 'p#il 6, 1956, t&e Fulton Fi#e +nsu#ane *opany $#ote t&e plaintiffs t&at t&ei# lai $as denied. &isdenial of t&e lai $as #eeived %y t&e plaintiffs on 'p#il 19, 1956.

5. plaintiff "aulo 'n( and ten ot&e#s $e#e &a#(ed fo# a#son %ut "aulo 'n( $as auitted.

6. &e p#esent ation $as instituted on :ay 5, 1958. &e ation $as o#i(inally instituted a(ainst %ot& t&e

Fulton Fi#e +nsu#ane *opany and t&e "a#aount )u#ety and +nsu#ane *opany, +n., %ut on June 16,1958, upon otion of t&e "a#aount )u#ety, t&e latte# $as d#opped f#o t&e oplaint.

/. 7n :ay 26, 1958, t&e defendant Fulton Fi#e +nsu#ane *opany filed an ans$e# to t&e oplainta. adittin( t&e eistene of t&e ont#at of insu#ane,%. its #ene$al. and t&e loss %y fi#e of t&e depa#tent sto#e and t&e e#&andise ontained t&e#ein,d. %ut denyin( t&at t&e loss %y t&e fi#e $as aidental, alle(in( t&at it $as oasioned %y t&e $illful

at of t&e plaintiff "aulo 'n( &iself.e. It claims that under ara!rah "# $% the $lic&, i% the l$ss $r dama!e is $ccasi$ned '& the

(ill%ul act $% the insured, $r i% the claim is made and re)ected 'ut n$ acti$n is c$mmenced(ithin "* m$nths a%ter such re)ecti$n, all 'ene%its under the $lic& ($uld 'e %$r%eited, andthat since the claim $% the lainti%%s (as denied and lainti%%s recei+ed n$tice $% denial $nAril ", "-/, and the& 'r$u!ht the acti$n $nl& $n 0a& , "-, all the 'ene%its under the$lic& ha+e 'een %$r%eited.

8. plaintiffs filed a #eply to t&e a%ove ans$e# of t&e Fulton Fi#e +nsu#ane, alle(in( t&at on :ay 11, 1956,plaintiffs &ad instituted *ivil *ase No. 299 in t&e *ou#t of Fi#st +nstane of :anila, to asse#t t&e lai; t&att&is ase $as disissed $it&out p#e

8/10/2019 Ang vs Fulton Fire

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"a#aount )u#ety +nsu#ane *o., in ao#dane $it& '#tile 1155 of t&e *ivil *ode. *ounsel fu#t&e# a#(ues t&at t&e%asis of p#es#iption of an ation is t&e a%andonent %y a pe#son of &is #i(&t of ation o# lai, so t&at any at of saidpe#son tendin( to s&o$ &is intention not to a%andon &is #i(&t of ation o# lai, as t&e filin( of t&e p#evious ation int&e ase at %a#, inte##upts t&e pe#iod of p#es#iption. Fu#t&e#o#e, ounsel a#(ues, t&e disissal of t&e p#eviousation is $it&out p#e