TABLE OF CONTENTS

LIST OF CASES PAGE

SUMMARY OF DOCTRINES ... 1-19

DIGESTED CASES ......

I. CONSTRUCTION OF INSURANCE CONTRACTS 20

1. Calanoc vs. Court of Appeals, 98 Phil 79 .... 21

2. Biagtan vs. Insular Life Assurance Co., 44 SCRA 58 ..... 22
3. Finman Gen. Insurance Corp. vs. CA, 213 SCRA 493 ................ 23
4. Zenith Insurance Corp. vs. CA, 185 SCRA 398 ... 24
5. Sun Insurance Office vs. CA, 211 SCRA 554 ... 25
6. Villacorta vs. Insurance Commission, 100 SCRA 467 26
7. Figuracion Vda. De Maglana
vs. Consolacion, 212 SCRA 268 ... 27
8. Perla Compania de Seguro
vs. Court of Appeals, 208 SCRA 478 .................. 28
9. Geagonia vs. Court of Appeals, 241 SCRA 153 ..... 29
10. Fortune Insurance & Surety Co. vs. CA, 244 SCRA 308 .. 30
11. Edillon vs. Manila Bankers Life, 117 SCRA 187 .... 31
12. Perla Compania de Seguro vs. CA, 185 SCRA 741 ... 32
13. Aisporna vs. CA, 113 SCRA 459 .. 33
14. White Gold Marine Services, Inc. vs Pioneer
Insurance and Surety Corporation and Steamship
34
Mutual Underwriting Association Ltd., 464 SCRA 448 ...
15. Republic vs. Sunlife Assurance Company of
35
Canada, 473 SCRA 129
16. Philamcare Health Systems, Inc. vs. Court of
36
Appeals, G.R. No. 125678
17. Commissioner of Internal Revenue vs. Lincoln
37
Philippine Life Insurance Company, G.R. No. 119176

38
II. PERFECTION OF INSURANCE CONTRACT .

18. Enriquez vs. Sun Life Assurance

Co. of Canada, 41 Phil 269 ... 39
19. Great Pacific Life Insurance Co.
vs. Court of Appeals, 89 SCRA 543 40
20. Development Bank of the Phils.
vs. Court of Appeals, 231 SCRA 370 .. 41
21. Philamcare Heath Systems vs. Court of
Appeals, 379 SCRA 356 42
22. Gulf Resorts, Inc. vs. Phil. Charter Insurance,
Corp., G.R. No. 156167 . 43

III. SUBROGATION (Art. 2207, New Civil Code) ... 44

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23. Malayan Insurance Co., Inc. vs. CA, 165 SCRA 536 ............. 45
24. Manila Mahogany vs. Court of Appeals, 154 SCRA 650 . 46
25. Pan Malayan Insurance Corp. vs. CA, 184 SCRA 54 ... 47
26. Cebu Shipyard and Engineering
Works, Inc. vs. William Lines, 306 SCRA 762 ... 48
27. Delsan Transport Lines, Inc. vs. CA, 369 SCRA 24 .. 49
28. Federal Express Corporation vs American Home
Assurance Company, 437 SCRA 50 50

IV. INSURABLE INTEREST .. 51

29. Sps. Nilo and Stella Cha vs. CA, 227 SCRA 690 ... 52
30. Great Pacific Life Insurance Corporation
53
vs. Court of Appeals, 316 SCRA 677 ..
31. Harvardian Colleges of San Fernando
Pampanga, Inc. vs. Country Bankers
54
Insurance Corp., CA CV No. 03771
32. Ang Ka Yu vs. Phoenix Assurance
55
Co., Ltd. 1CAR2S 710
Gaisano Cagayan, Inc. vs. Insurance Company of North 56
America, G.R. No. 147839

57
V. CONCEALMENT AND REPRESENTATION ..

33. Insurance Life Assurance Corp. vs. Feliciano, 73 Phil 201 .. 58

Insurance Life Assurance Corp. vs. Feliciano, 74 Phil 465 .. 59
34. Sun Life Assurance Co. of Canada
vs. Court of Appeals, 245 SCRA 268 .. 60
35. Thelma Vda. De Canilang vs. CA, 223 SCRA 443 ... 61

VI. PERSONS ENTITLED TO RECOVER 62

UNDER THE POLICY .......................................................................

36. Bonifacio Bros. vs. Mora, 20 SCRA 261 .. 63

37. First Integrated Bonding & Insurance Co.
vs. Hernando, 199 SCRA 796 ............... 64
38. Sherman Shaper vs. Hon. Judge RTC
of Olongapo City, 167 SCRA 368 65

VII. INCONTESTABILITY CLAUSE ... 66

39. Tan vs. Court of Appeals, 174 SCRA 403 ... 67

VIII. LIABILITY UNDER AN OPEN POLICY ... 68

40. Development Insurance Corp.

69
vs. Intermediate Appellate Court, 143 SCRA 62 ...

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IX. PRESCRIPTION OF ACTION 70

41. Sun Insurance Office, Ltd. vs. Court

of Appeals, 195 SCRA 193 .... 71
42. Jacqueline Jimenez Vda. De Gabriel
vs. Court of Appeals, 264 SCRA 137 .. 72

X. PREMIUM PAYMENTS 73

43. Malayan Insurance Co. vs. Gregorio Cruz

Arnaldo, 154 SCRA 672 .................... 74
44. Makati Tuscany Condominium Corp.
75
vs. Court of Appeals, 215 SCRA 744 ..
45. South Sea Surety & Insurance Co., Inc.
76
vs. Court of Appeals, 244 SCRA 744 ..
46. Sps. Antonio Tibay and Violeta Tibay, et. al
77
vs. Court of Appeals, 257 SCRA 126 ..
47. UCPB General Insurance Co., Inc. vs. Masagana
78
Telemart, Inc., 308 SCRA 259 ...........................
48. American Home Assurance Co. 79
vs. Antonio Chua, 309 SCRA 250 ....
49. Paulin vs. Insular Life Assurance Co. 80
Ltd., CA, G.R. No. 3032-R

XI. DOUBLE INSURANCE 81

50. Pioneer Insurance & Surety Corp. 82

vs. Olivia Yap, 61 SCRA 426
49. Republic Bank vs. Phil Guaranty Co., Inc., 47 SCRA 271 83

XII. MARINE INSURANCE .. 84

52. Oriental Assurance Corp. vs. CA, 200 SCRA 459 . 85

53. Roque vs. Intermediate Appellate Court, 139 SCRA 597 86
54. Filipinas Merchants Insurance vs. CA, 179 SCRA 638 ..... 87
55. Choo Tek Seng vs. Court of Appeals, 183 SCRA 223 ... 88
56. Delsan Transportation Lines, Inc. vs. CA and
American Home Assurance Corp., G.R. No. 127987 89

XIII. LIFE INSURANCE ... 90

57. Del Val vs. Del Val, 29 Phil 534 ... 91

92
58. Bank of the Philippine Islands vs. Posadas, 56 Phil 215 ..
93
59. Insular Life vs. Ebrado, 80 SCRA 181 .

94
XIV. CASH SURRENDER VALUE ...

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60. Manufacturing Life Insurance Corp. vs. Meer, 89 Phil 351 . 95

XV. SURETYSHIP 96

61. Development Bank of the Philippines

vs. Court of Appeals, 231 SCRA 370 .. 97
62. Phil. Pryce Assurance Corp. vs. CA, 230 SCRA 164 . 98

XVI. CLAIMS SETTLEMENT (Sections 234 and 244) 99

AND PROOF OF LOSS .

63. Tio Khe Chio vs. Court of Appeals, 202 SCRA 119 .. 100
101
64. Finman Assurance Corp. vs. CA, 361 SCRA 214 [2001] ..
65. Country Bankers Insurance Corporation vs. Lianga
Bay and Community Multi-Purpose
102
Cooperative, 374 SCRA 653

103
XVII. CMVLI

66. Perla Compania de Seguro, Inc. vs. Hon. Constante 104

Ancheta, 164 SCRA 144 105
67. First Quezon City Insurance Corp. vs. CA, 218 SCRA 525 . 106
68. Perla Compania de Seguro, Inc. vs. Ramote, 203 SCRA 487 ...
69. Government Service Insurance System 107
vs. Court of Appeals, 308 SCRA 559 ..

XVI. JURISDICTION OF THE INSURANCE 108

COMMISSION

70. Philippine American Life Insurance Co. 109

vs. Ansaldo, 234 SCRA 509 ..

II. BURDEN OF PROOF 110

72. DBP Pool Accredited Insurance Company vs. Radio

Mindanao Network, Inc., G.R. No. 147039 111

III. BREACH OF WARRANTY 112

73. Prudential Guarantee and Assurance, Inc. vs. Trans-Asia

Shipping Lines, Inc., G.R. No. 151890 ... 113

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IV. OTHER CASES 114

74. Republic vs. Del Monte Motors, Inc., 504 SCRA 53 . 115
75. Insular Life Assurance Co. Ltd. vs.
Manuel M. Serrano, G.R. No. 163256 .... 116

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