TABLE OF CONTENTS

CASE TITLE
Summary of Doctrines

PAGE
1

I. CONSTRUCTION OF INSURANCE CONTRACT

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

17

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

18

3. Finman Gen. Insurance Corp. v. Court of Appeals,

213 SCRA 493 [1992]

19

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

20

5. Sun Insurance Office Ltd. V. Court of Appeals, 211 SCRA 554

[1992]

21

6. Villacorta v. Insurance Commission, 100 SCRA 467

22

7. Figuracion Vda. De Maglana v. Hon. Francisco Consolacion,

212 SCRA 268 [1992]

23

8. Perla Compania de Seguro, Inc. v. court of Appeals,

208 SCRA 487

24

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

25

10. Fortune Insurance and Surety Co., Inc. v. Court of Appeals,

244 SCRA 308 [1995]

26

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

27

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

28

13. Crispona v. CA, 113 SCRA 459

29

14. White Gold Marine Services, Inc. vs. Pioneer Insurance

and Surety Corporation and Steamship Mutual
Underwriting Association Ltd. [464 SCRA 448]

30

15. Republic vs. Sunlife Assurance Company of Canada

[473 SCRA 129, Oct. 14, 2005]

31

16. Philam Care Health Systems, Inc. v. Court of Appeals,

379 SCRA 356 [2002]

32

17. Commissioner of Internal Revenue v. Lincoln Philippine

Life Insurance Company, 379 SCRA 423 [2002]

33

II. PERFECTION OF INSURANCE CONTRACT

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

34

19. Great Pacific Life Insurance Co. v. Court of Appeals,

89 SCRA 543

35

20. Dev. Bank of the Phils. V. Court of Appeals,

231 SCRA 370 [1994]

36

21. Philamcare Health Systems, Inc. v. Court of Appeals,

379 SCRA 356 [2002]

37

22. Gulf Resorts, Inc. v. Phil Charter Insurance, Corp.,

458 SCRA 550 [2005]

38

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

39

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

40

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

41

26. Cebu Shipyard and Engineering Works, Inc. v.

William Lines, 306 SCRA 762 [1999]

42

27. Delsan Transport Lines, Inc. v. Court of Appeals,

369 SCRA 24 [2001]

43

28. Federal Express Corporation v. American Home

Assurance Company, 437 SCRA 50 [2004]

44

IV. INSURABLE INTEREST

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

45

30. Great Pacific Life Insurance Corp. v. CA, 316 SCRA 677 [1999] 46
31. Harvardian Colleges of San Fernando Pampanga,
Inc. v. Country Bankers Insurance Corporation,
CA CV No. 03771, January 6, 1986, 1 CARA 1

47

32. Ang Ka Yu v. Phoenix Assurance Co. Ltd., 1 CARA 704,

September 28, 1961

48

V. CONCEALMENT AND REPRESENTATION

33. Insular Life Assurance Co. v. Serafin D. Feliciano,
73 Phil. 201

49

34. Sunlife Assurance Co. of Canada v. Court of Appeals,

245 SCRA 268 [1995]

50

35. Thelma Vda. De Canilang v. Court of Appeals,

223 SCRA 443 [1993]

51

VI. PERSONS ENTITLED TO RECOVER UNDER THE POLICY

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

52

37. First Integrated Bonding & Insurance Co. v. Hernando

199 SCRA 796 [1991]

53

38. Sherman Shaper v. Hon. Judge RTC of Olongapo City

167 SCRA 368

54

VII. INCONTESTABILITY CLAUSE

39. Tan v. Court of Appeals,

174 SCRA 403

55

VIII. LIABILITY UNDER AN OPEN POLICY

40. Development Insurance Corp. v. Intermediate Appellate Court,
143 SCRA 62
56

IX. PRESCRIPTION OF ACTION

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

57

42. Jacqueline Jimenez Vda. De Gabriel v. Court of Appeals,

264 SCRA 137 [1996]

58

X. PREMIUM PAYMENTS
43. Malayan Insurance Co. Inc. v. Gregorio Cruz Arnaldo,
154 SCRA 672

59

44. Makati Tuscany Condominium Corp. v. Court of Appeals,

215 SCRA 462 [1992]

60

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

61

46. Sps. Antonio Tibay and Violeta Tibay et. al. v. Court of Appeals,
257 SCRA 126 [1996]
62
47. UCPB General Insurance Co. Inc. vs. Masagana Telemart, Inc.,
356 SCRA 307 [2001]
63
48. American Home Assurance Co. v. Antonio Chua,
309 SCRA 250 [1999]

64

49. Paulin v. Insular Life Assurance. Co. Ltd., CA

G.R. No. 3032-R, May 31, 1949

65

XI. DOUBLE INSURANCE

50. Pioneer Insurance & Surety Corp. v. Olivia Yap,

61 SCRA 426

66

51. Republic Bank v. Phil. Guaranty Co., Inc.,

47 SCRA 271

67

XII. MARINE INSURANCE

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

68

53. Roque v. Intermediate Appellate Court,

139 SCRA 597

69

54. Filipinas Merchants Insurance v. Court of Appeals,

179 SCRA 638

70

55. Choo Tek Seng v CA (183 SCRA 223)

71

56. Delsan Transport Lines, Inc. v. Court of Appeals,

369 SCRA 24

72

XIII. LIFE INSURANCE

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

73

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

October 22, 1913

74

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

October 28, 1977

75

XIV. CASH SURRENDER VALUE

60. Manufacturing Life Insurance Co. v. Meer, 89 Phil. 351,
June 29, 1951

XV. SURETYSHIP

76

61. Development Bank of the Phils. v. Court of Appeals,

231 SCRA 370 [1994]

77

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

78

XVI. CLAIMS SETTLEMENT (Sections 234 & 244) AND PROOF OF LOSS
63. Tio Khe Chio vs. Court of Appeals, 202 SCRA 119 [1991]

79

64. Finman Assurance Corporation v. Court of Appeals,

361 SCRA 514 [2001]

80

65. Country Bankers Insurance Corporation v. Lianga

Bay and Community Multi-Purpose Cooperative,
374 SCRA 653 [2002]

81

XVII. COMPULSORY MOTORS VEHICLE LIABILITY INSURANCE

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

82

67. First Quezon City Insurance Co. v. Court of Appeals,

218 SCRA 525 [1993]

83

68. Perla Compania de Seguro, Inc. v. Ramolete,

203 SCRA 487, November 13, 1991

84

69. Government Service Insurance System v.

Court of Appeals, 308 SCRA 559, June 21, 1999

85

XIV. JURISDICTION OF THE INSURANCE COMMISSION

70. Philippine American Life Insurance Co., v. Ansaldo,
234 SCRA 509 [1994]
ADDITIONAL CASES
I. INSURABLE INTEREST

86

71. Gaisano Cagayan, Inc. v. Insurance Company of North

America, G.R. No. 147839, June 8, 2006

87

II. BURDEN OF PROOF

72. DBP Pool Accredited Insurance Company v.
Trans-Asia Shipping Lines, Inc. G.R. No. 147039,
January 27, 2006

88

III. BREACH OF WARRANTY

73. Prudential Guarantee and Assurance, Inc. v.
Trans-Asia Shipping Lines, Inc. G.R. No. 151890,
June 20, 2006

89

IV.
74. Republic v. Del Monte Motors, Inc. 504 SCRA 53,
October 9, 2006

90

75. Insular Life Assurance Co., Ltd., v. Serrano,

G.R. No. 163256, June 22, 2007

91