TABLE OF CONTENTS

I. CONSTRUCTION OF INSURANCE CONTRACT PAGE No.

1. Calanoc v. Court of Appeals, 98 Phil. 79 [1955] 1

2. Biagtan v. Insular Life Assurance Co., Ltd., 44 SCRA 58 3

3. Finman Gen. Insurance Corp. v. Court of Appeals, 213 SCRA 493 [1992] 4

4. Zenith Insurance Corp. v. Court of Appeals, 185 SCRA 398 5

5. Sun Insurance Office Ltd. V. Court of Appeals, 211 SCRA 554 [1992] 6

6. Villacorta v. Insurance Commission, 100 SCRA 467 7

7. Figuracion Vda. De Maglana v. Hon. Francisco Consolacion 212 SCRA 268 [1992] 9

8. Perla Compania de Seguro, Inc. v. court of Appeals, 208 SCRA 487 10

9. Geagonia v. Court of Appeals, 241 SCRA 152 [1995] 12

10. Fortune Insurance and Surety Co., Inc. v. Court of Appeals, 244 SCRA 308 [1995] 14

11. Edillon v. Manila Bankers Life, 117 SCRA 187 16

12. Perla Compania de Seguro v. CA, 185 SCRA 741 [1990] 18

13. Aisporna v. CA, 113 SCRA 459 19

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] 22

16. Philam Care Health Systems, Inc. v. Court of Appeals, 379 SCRA 356 [2002] 24

17. Commissioner of Internal Revenue v. Lincoln Philippine Life Insurance Company, 379 SCRA 423 26

II. PERFECTION OF INSURANCE CONTRACT

18. Enriquez v. Sun Life Assurance Co. of Canada, 41 Phil. 269 28

19. Great Pacific Life Insurance Co. v. Court of Appeals, 89 SCRA 543 29

20. Philamcare Health Systems, Im.c v. Court of Appeals, 379 SCRA 356 [2002] 30

21. Development Bank of the Phils. v. Court of Appeals, 231 SCRA 370 [1994] 31

22. Gulf Resorts, Inc. v. Phil Charter Insurance, Corp., 458 SCRA 550 [2005] 33

III. SUBROGATION

23. Malayan Insurance Co., Inc. v. Court of Appeals, 165 SCRA 536 34

24. Manila Mahogany v. Court of Appeals, 154 SCRA 650 35

25. Pan Malayan Ins. Corp. v. Court of Appeals, 184 SCRA 54 36

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] 38

28. Federal Express Corporation v. American Home Assurance Company, 437 SCRA 50 [2004] 40

IV. INSURABLE INTEREST

29. Sps. Nilo and Stella Cha v. Court of Appeals, 277 SCRA 690 [1997] 42

30. Great Pacific Life Insurance Corp. v. CA, 316 SCRA 67 [1999] 44

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

V. CONCEALMENT AND REPRESENTATION

33. Insular Life Assurance Co. v. Serafin D. Feliciano, 74 Phil. 468 49

34. Sunlife Assurance Co. of Canada v. Court of Appeals, 245 SCRA 268 [1995] 51

35. Thelma Vda. De Canilang v. Court of Appeals, 223 SCRA 443 [1993] 52

VI. PERSONS ENTITLED TO RECOVER UNDER THE POLICY

36. Bonifacio Bros. v. Mora, 20 SCRA 261 53

37. First Integrated Bonding & Insurance Co. v. Hernando 199 SCRA 796 [1991] 54

38. Sherman Shaper v. Hon. Judge RTC of Olongapo City 167 SCRA368 55

VII. INCONTESTABILITY CLAUSE

39. Tan v. Court of Appeals, 174 SCRA 403 56

VIII. LIABILITY UNDER AN OPEN POLICY

40. Development Insurance Corp. v. Intermediate Appellate Court, 143 SCRA 62 57

IX. PRESCRIPTION OF ACTION

41. Sun Insurance Office Ltd. V. Court of Appeals, 195 SCRA 139 [1991] 58

42. Jacqueline Jimenez Vda. De Gabriel v. Court of Appeals, 264 SCRA 137 [1996] 59

X. PREMIUM PAYMENTS

43. Malayan Insurance Co. Inc. v. Gregorio Cruz Arnaldo, 154 SCRA 672 60

44. Makati Tuscany Condominium Corp. v. Court of Appeals, 215 SCRA 462 [1992] 61

45. South Sea Surety and Ins. Co. Inc. v. Court of Appeals, 244 SCRA 744 [1995] 62

46. Sps. Antonio Tibay and Violeta Tibay et. al. v. Court of Appeals, 257 SCRA 126 [1996] 63

47. UCPB General Insurance Co. Inc. vs. Masagana Telemart, Inc., 356 SCRA 307 [2001] 64

48. American Home Assurance Co. v. Antonio Chua, 309 SCRA 250 [1999] 66

49. Paulin v. Insular Life Assurance. Co. Ltd., 47 OG 3012 [1949] 68

XI. DOUBLE INSURANCE

50. Pioneer Insurance & Surety Corp. v. Olivia Yap 61 SCRA 426 69

51. Republic Bank v. Phil. Guaranty Co., Inc., 47 SCRA 271 71

XII. MARINE INSURANCE

52. Oriental Assurance Corp. v. Court of Appeals, 200 SCRA 459 [1991] 72

53. Roque v. Intermediate Appellate Court, 139 SCRA 597 74

54. Filipinas Merchants Insurance v. court of Appeals, 179 SCRA 638 76

55. Choa Tek Seng v. Court of Appeals, 18. SCRA 223 78

56. Delsan Transport Lines, Inc. v. Court of Appels, 369 SCRA 24 80

XIII. LIFE INSURANCE

57. Del Val v. Del Val, 29 Phil. 535 82

58. Bank of the Phil. Islands v. Posadas, 56 Phil. 215 83

59. Insular Life v. Ebrado, 80 SCRA 181 85

XIV. CASH SURRENDER VALUE

60. Manufacturing Life Insurance Co. v. Meer, 89 Phil. 351 [1981] 86

XV. SURETYSHIP

61. Development Bank of the Phils. v. Court of Appeals, 231 SCRA 370 [1994] 87

62. Phil. Pryce Assurance Corp. v. CA, 230 SCRA 164 89

XVI. CLAIMS SETTLEMENT (Secs. 234 & 244) AND PROOF OF LOSS

63. Tio Khe Chio vs. Court of Appeals, 202 SCRA 119 [1991] 90

64. Finman Assurance Corporation v. Court of Appeals, 361 SCRA 514 [2001] 91

65. Country Bankers Insurance Corporation v. Lianga Bay and Community Muti- Purpose Cooperative, 374 SCRA 653 [2002] 93

XVII. Compulsory Motors Vehicle Liability INSURANCE

66. Perla Compania de Seguro, Inc. v. Hon. Constante Ancheta, 164 SCRA 144 94

67. First Quezon City Insurance Co. v. Court of Appeals, 218 SCRA 525 [1993] 96

68. Perla Compania de Seguro, Inc. v. Ramolete, 203 SCRA 487 [1991] 97

69. Government Service Insurance System v. Court of Appeals, 308 SCRA 559, June 21, 1999 99

XVIII. JURISDICTION OF THE INSURANCE COMMISSION

70. Philippine American Life Insurance Co., v. Ansaldo, 234 SCRA 509 [1994] 101

ADDITIONAL CASES IN INSURANCE

I. INSURANCE INTEREST

1. Gaisano Cagayan, Inc. vs. Insurance Company of North America [G.R. No. 147839, June 8, 2006]102

2. Eternal Gardens Memorial Park Corp. vs. Philippine American Life Insurance Corp. [G.R. No. 166245, April 9, 2008] 104

II. BURDEN OF PROOF

1. DBP Pool Accredited Insurance Company vs. Radio Mindanao Network, Inc. [G.R. No. 147039, January 27, 2006] 105

III. BREACH OF WARRANTY

1. Prudential Guarantee and Assurance, Inc. vs. Trans-Asia Shipping Lines, Inc. [G.R. No. 151890, June 20, 2006] 107

IV. CONSTRUCTION OF INSURANCE CONTRACTS

1. Republic V. Del Monet Motors, Inc. [504 SCRA 53, October 9, 2006] 109

2. Insular Life Assurance Co., Ltd., vs. Manuel M. Serrano [G.R. No. 163256, June 22, 2007]111

V. SUBROGATION1. Aboitiz Shipping Corp. vs. Insurance Co. Of North America [G.R. No. 168402, August 6, 2008]

113

Acknowledgement

I would like to thank our dear professor in Insurance law, Dean Jose Sundiang, for his passion in sharing with

us his knowledge in the said field. I am glad and very honoured to have been taught by him, who is a master in

the said field, and to have belonged to his class for the second time this school year. Every single session was

worth the sacrifice.

To my parents who have been always with me

And to our heavenly Father, for the gift of life, and this once in a lifetime opportunity.

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

CLAIMS SETTLEMENT (SECS, 234 AND 244)

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

San Beda College of Law

Mendiola, Manila

Case Digests

For

Insurance Law

Submitted to:

Dean Jose R. Sundiang

Submitted by:

Albano, Errol L.

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