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INSURANCE LAW

Atty. Eufemio A. Simtim, Jr., REA, REB


Lecturer

LAWS

1. R.A. 10607 (The Insurance Code of 2013)


2. P.D. 612 (The Insurance Code of 1978)
3. P.D. 1141 (AMENDING SECTION 249, TITLE 15, PRESIDENTIAL DECREE
NO. 612, OTHERWISE KNOWN AS THE INSURANCE CODE)
4. P.D. 1280 (AMENDING TITLE 17, CHAPTER III, OF PRESIDENTIAL
DECREE NO. 612, OTHERWISE KNOWN AS THE INSURANCE CODE, ON
THE MUTUALIZATION OF STOCK LIFE INSURANCE COMPANIES)
5. P.D. 1455 (AMENDING CERTAIN SECTIONS OF PRESIDENTIAL DECREE
NO. 612 OTHERWISE KNOWN AS THE INSURANCE CODE)
6. P.D. 1460 (A DECREE TO CONSOLIDATE AND CODIFY ALL THE
INSURANCELAWS OF THE PHILIPPINES)
7. P.D. 1814 (AMENDING CERTAIN SECTIONS OF PRESIDENTIAL DECREE
NO. 1460, OTHERWISE KNOWN AS THE INSURANCE CODE)
8. P.D. 1981 (FURTHER AMENDING PRESIDENTIAL DECREE NO. 1146, AS
AMENDED, OTHERWISE KNOWN AS THE REVISED GOVERNMENT
SERVICE INSURANCE ACT OF 1977)
9. B.P. 874 (AN ACT AMENDING CERTAIN SECTIONS OF PRESIDENTIAL
DECREE NUMBERED FOURTEEN HUNDRED AND SIXTY, OTHERWISE
KNOWN AS THE INSURANCE CODE OF 1978)

JURISPRUDENCE

GENERAL PROVISIONS

Section 1

A. Imbued with Public Interest


1. REPUBLIC vs. DEL MONTE MOTORS, INC. [G.R. No. 156956. October 9,
2006.]

Section 2

A. Essential Elements of Insurance


1. GULF RESORTS, INC. vs. PHILIPPINE CHARTER INSURANCE
CORPORATION [G.R. No. 156167. May 16, 2005.]
2. PHILAMCARE HEALTH SYSTEMS, INC. vs. COURT OF APPEALS and
JULITA TRINOS [G.R. No. 125678. March 18, 2002.]

B. Contract of Adhesion
1. HEIRS OF ILDEFONSO COSCOLLUELA, SR., INC. vs. RICO GENERAL
INSURANCE CORPORATION [G.R. No. 84628. November 16, 1989.]
2. PILIPINO TELEPHONE CORPORATION vs. DELFINO TECSON [G.R. No.
156966. May 7, 2004.]
3. FORTUNE INSURANCE AND SURETY CO., INC. vs. COURT OF APPEALS
and PRODUCERS BANK OF THE PHILIPPINES [G.R. No. 115278. May 23,
1995.]
4. CALANOC vs. COURT OF APPEALS and THE PHILIPPINE AMERICAN
LIFE INSURANCE CO. [G.R. No. L-8151. December 16, 1955.]
5. TY vs. FIRST NATIONAL SURETY & ASSURANCE CO, INC. [G.R. No. L-
16138. April 29, 1961.]
6. DE LA CRUZ vs. THE CAPITAL INSURANCE & SURETY CO., INC. [G.R.
No. L-21574. June 30, 1966.]
7. GULF RESORTS, INC. vs. PHILIPPINE CHARTER INSURANCE
CORPORATION [G.R. No. 156167. May 16, 2005.]

C. Consent
1. PEREZ vs. COURT OF APPEALS and BF LIFEMAN INSURANCE
CORPORATION [G.R. No. 112329. January 28, 2000.]
2. DE LIM vs. SUN LIFE ASSURANCE COMPANY OF CANADA, [G.R. No.
15774. November 29, 1920.]
3. DEVELOPMENT BANK OF THE PHILIPPINES vs. COURT OF APPEALS
and the ESTATE OF THE LATE JUAN B. DANS and the DBP MORTGAGE
REDEMPTION INSURANCE POOL [G.R. No. 109937. March 21, 1994.]
4. ENRIQUEZ vs. SUN LIFE ASSURANCE COMPANY OF CANADA [G.R. No.
15895. November 29, 1920.]

D. Construction of the Insurance Code


1. K. S. YOUNG vs. THE MIDLAND TEXTILE INSURANCE COMPANY [G.R.
No. 9370. March 31, 1915.]
2. ANG GIOK CHIP vs. SPRINGFIELD FIRE & MARINE INSURANCE
COMPANY, [G.R. No. 33637. December 31, 1931.]
3. GERCIO vs. SUN LIFE ASSURANCE CO. OF CANADA ET AL. [G.R. No.
23703. September 28, 1925.]

E. Construction of Policy
1. FORTUNE INSURANCE AND SURETY CO., INC. vs. COURT OF APPEALS
and PRODUCERS BANK OF THE PHILIPPINES [G.R. No. 115278. May 23,
1995.]

F. Doctrine of Contra Proferentem


1. AMERICAN HOME ASSURANCE COMPANY vs. TANTUCO
ENTERPRISES, INC. [G.R. No. 138941. October 8, 2001.]
2. QUA CHEE GAN vs. LAW UNION AND ROCK INSURANCE CO., LTD.
[G.R. No. L-4611. December 17, 1955.]

G. Principle of Subrogation
1. MANILA MAHOGANY MANUFACTURING CORPORATION vs. COURT OF
APPEALS AND ZENITH INSURANCE CORPORATION [G.R. No. 52756.
October 12, 1987.]
2. PAN MALAYAN INSURANCE CORPORATION vs. COURT OF APPEALS,
ERLINDA FABIE AND HER UNKNOWN DRIVER [G.R. No. 81026. April 3,
1990.]
3. THE PHILIPPINE AMERICAN GENERAL INSURANCE COMPANY, INC.,
vs. COURT OF APPEALS and FELMAN SHIPPING LINES, [G.R. No. 116940.
June 11, 1997.]
4. SVERIGES ANGFARTYGS ASSURANS FORENING vs. QUA CHEE GAN
[G.R. No. L-22146. September 5, 1967.]
5. ST. PAUL FIRE & MARINE INSURANCE CO. vs. MACONDRAY & CO.,
INC., BARBER STEAMSHIP LINES, INC., WILHELM WILHELMSEN,
MANILA PORT SERVICE and/or MANILA RAILROAD COMPANY, [G.R. No.
L-27796. March 25, 1976.]
6. FIREMAN'S FUND INSURANCE COMPANY and FIRESTONE TIRE and
RUBBER COMPANY OF THE PHILIPPINES vs. JAMILA & COMPANY, INC.
and FIRST QUEZON CITY INSURANCE CO., INC, [G.R. No. 27427. April 7,
1976.]
7. F.F. CRUZ and CO., INC. vs. THE COURT OF APPEALS [G.R. No. 52732.
August 29, 1988.]
8. RIZAL SURETY & INSURANCE COMPANY vs. MANILA RAILROAD
COMPANY and MANILA PORT SERVICE [G.R. No. L-24043. April 25, 1968.]

H. Insurance Business

1. WHITE GOLD MARINE SERVICES, INC. vs. PIONEER INSURANCE AND


SURETY CORPORATION AND THE STEAMSHIP MUTUAL
UNDERWRITING ASSOCIATION (BERMUDA) LTD., [G.R. No. 154514. July
28, 2005.]
2. THE MANUFACTURERS LIFE INSURANCE CO., vs. BIBIANO L. MEER
[G.R. No. L-2910. June 29, 1951.]
3. COMMISSIONER OF INTERNAL REVENUE vs. THE PHILIPPINE
AMERICAN ACCIDENT INSURANCE COMPANY, INC., THE PHILIPPINE
AMERICAN ASSURANCE COMPANY, INC., and THE PHILIPPINE
AMERICAN GENERAL INSURANCE CO., INC. [G.R. No. 141658. March 18,
2005.]
4. TRANS-ASIA SHIPPING LINES, INC. vs. PRUDENTIAL GUARANTEE and
ASSURANCE INC. [G.R. No. 151991. June 20, 2006.]

SEE FB GROUP PAGE ASSIGNMENT. 

CHAPTER I - THE CONTRACT OF INSURANCE


TITLE 1 – WHAT MAY BE INSURED

KRISTOFFER
Section 3

1. FILIPINAS COMPAÑIA DE SEGUROS vs. CHRISTERN, HUENEFELD &


CO., INC. [G.R. No. L-2294. May 25, 1951.]

TITLE 2 – PARTIES TO THE CONTRACT

Section 6

1. WHITE GOLD MARINE SERVICES, INC. vs. PIONEER INSURANCE AND


SURETY CORPORATION AND THE STEAMSHIP MUTUAL
UNDERWRITING ASSOCIATION (BERMUDA) LTD. [G.R. No. 154514. July
28, 2005.]

Section 7

1. PAZ LOPEZ DE CONSTANTINO vs. ASIA LIFE INSURANCE COMPANY


[G.R. No. L-1669. August 31, 1950.]

EJ BASCO
2. VICTORIA HIDALGO VDA. DE CARRERO, ET AL. vs. THE
MANUFACTURERS LIFE INSURANCE CO. [G.R. No. L-3032. October 10,
1950.]
Sections 8 & 9

1. ARMANDO GEAGONIA vs. COURT OF APPEALS and COUNTRY


BANKERS INSURANCE CORPORATION [G.R. No. 114427. February 6,
1995.]
2. GREAT PACIFIC LIFE ASSURANCE CORP. vs. COURT OF APPEALS AND
MEDARDA V. LEUTERIO [G.R. No. 113899. October 13, 1999.]

MARJORIE
3. EMILIO GONZALEZ LA O vs. THE YEK TONG LIN FIRE & MARINE
INSURANCE CO., LTD. [G.R. No. 33131. December 13, 1930.]
4. GREAT PACIFIC LIFE ASSURANCE CORP. vs. COURT OF APPEALS AND
MEDARDA V. LEUTERIO [G.R. No. 113899. October 13, 1999.]
5. BONIFACIO BROS., INC., ET AL. vs. ENRIQUE MORA, ET AL. [G.R. No. L-
20853. May 29, 1967.]

Title 3 - Insurable Interest


Cases

Sections 10, 11

ERVIEN
1. VIOLETA R. LALICAN vs. THE INSULAR LIFE ASSURANCE COMPANY
LIMITED, AS REPRESENTED BY THE PRESIDENT VICENTE R. AVILON,
[G.R. No. 183526. August 25, 2009.]
2. THE INSULAR LIFE ASSURANCE COMPANY, LTD., vs. CARPONIA T.
EBRADO and PASCUALA VDA. DE EBRADO [G.R. No. L-44059. October
28, 1977.]
3. EL ORIENTE, FABRICA DE TABACOS, INC., vs. JUAN POSADAS, Collector
of Internal Revenue [G.R. No. 34774. September 21, 1931.]

LERCA CUTE 
4. HILARIO GERCIO vs. SUN LIFE ASSURANCE CO. OF CANADA ET AL.,
SUN LIFE ASSURANCE CO. OF CANADA, [G.R. No. 23703. September 28,
1925.]
5. DELFIN NARIO and ALEJANDRA SANTOS-NARIO vs. THE PHILIPPINE
AMERICAN LIFE INSURANCE COMPANY [G.R. No. L-22796. June 26,
1967.]
6. SOCIAL SECURITY SYSTEM vs. CANDELARIA D. DAVAC, ET AL.,
LOURDES TUPLANO [G.R. No. L-21642. July 30, 1966.]

SHENN
7. BASILIA BERDIN VDA. DE CONSUEGRA; JULIANA, PACITA, MARIA
LOURDES, JOSE, JR., RODRIGO, LINEDA, and LUIS, all surnamed
CONSUEGRA, vs. GOVERNMENT SERVICE INSURANCE SYSTEM,
COMMISSIONER OF PUBLIC HIGHWAYS, HIGHWAY DISTRICT
ENGINEER OF SURIGAO DEL NORTE, COMMISSIONER OF CIVIL
SERVICE, and ROSARIO DIAZ [G.R. No. L-28093. January 30, 1971.]
8. GAISANO CAGAYAN, INC., vs. INSURANCE COMPANY OF NORTH
AMERICA [G.R. No. 147839. June 8, 2006.]

Section 15
1. FROILAN LOPEZ vs. SALVADOR V. DEL ROSARIO and BENITA QUIOGUE
DE V. DEL ROSARIO [G.R. No. 19189. November 27, 1922.]

THEAHEART
Section 18

1. SPOUSES NILO CHA and STELLA UY CHA, and UNITED INSURANCE CO.,
INC. vs. COURT OF APPEALS and CKS DEVELOPMENT CORPORATION
[G.R. No. 124520. August 18, 1997.]
2. DOMINGO GARCIA and THE PHILIPPINE NATIONAL BANK vs. THE
HONG KONG FIRE & MARINE INSURANCE CO., LTD., [G.R. No. 20341.
September 1, 1923.]
3. K. S. YOUNG vs. THE MIDLAND TEXTILE INSURANCE COMPANY, [G.R.
No. 9370. March 31, 1915.]

KUYA JEFFOI
4. PHILIPPINE HEALTH CARE PROVIDERS, INC. vs. COMMISSIONER OF
INTERNAL REVENUE [G.R. No. 167330. June 12, 2008.]
5. PHILAMCARE HEALTH SYSTEMS, INC. vs. COURT OF APPEALS and
JULITA TRINOS [G.R. No. 125678. March 18, 2002.]
6. BLUE CROSS HEALTH CARE, INC. vs. NEOMI * and DANILO OLIVARES
[G.R. No. 169737. February 12, 2008.]

SHARENN SHAREEN
Section 20

1. SAN MIGUEL BREWERY, ETC. vs. LAW UNION AND ROCK INSURANCE
CO. (LTD.) ET AL., HENRY HARDING [G.R. No. 14300. January 19, 1920.]
2. E. M. BACHRACH vs. BRITISH AMERICAN ASSURANCE COMPANY [G.R.
No. L-5715. December 20, 1910.]

Title 4 - Concealment
Cases

Section 27

1. MA. LOURDES S. FLORENDO vs. PHILAM PLANS, INC., PERLA ABCEDE


and MA. CELESTE ABCEDE [G.R. No. 186983. February 22, 2012.]

KEEN
2. QUA CHEE GAN vs. LAW UNION AND ROCK INSURANCE CO., LTD.,
represented by its agent, WARNER, BARNES AND CO., LTD. [G.R. No. L-
4611. December 17, 1955.]
3. FIELDMEN'S INSURANCE CO., INC. vs. MERCEDES VARGAS VDA. DE
SONGCO, Et Al. and COURT OF APPEALS [G.R. No. L-24833. September 23,
1968.]
4. IGNACIO SATURNINO, in his own behalf and as the JUDICIAL GUARDIAN
OF CARLOS SATURNINO, minor, vs. THE PHILIPPINE AMERICAN LIFE
INSURANCE COMPANY [G.R. No. L-16163. February 28, 1963.]
KRISTOFFER <3
5. GREAT PACIFIC LIFE ASSURANCE COMPANY vs. HONORABLE COURT
OF APPEALS [G.R. No. L-31845. April 30, 1979.]
6. BERNARDO ARGENTE vs. WEST COAST LIFE INSURANCE CO. [G.R. No.
28499. March 19, 1928.]

Section 28

1. YU PANG CHENG alias YU PANG CHING vs. THE COURT OF APPEALS, ET


AL. [G.R. No. L-12465. May 29, 1959.]

ATE YAKEE
2. SUNLIFE ASSURANCE COMPANY OF CANADA vs. The Hon. COURT OF
APPEALS and Spouses ROLANDO and BERNARDA BACANI [G.R. No.
105135. June 22, 1995.]

Section 31

1. BERNARDO ARGENTE vs. WEST COAST LIFE INSURANCE CO. [G.R. No.
28499. March 19, 1928.]
2. THELMA VDA. DE CANILANG vs. HON. COURT OF APPEALS and GREAT
PACIFIC LIFE INSURANCE CORPORATION [G.R. No. 92492. June 17,
1993.]

Title 5 - Representation
Cases

MARJOREEEE

Section 36

1. NG GAN ZEE vs. ASIAN CRUSADER LIFE ASSURANCE CORPORATION


[G.R. No. L-30685. May 30, 1983.]
2. GREAT PACIFIC LIFE ASSURANCE CORP. vs. COURT OF APPEALS AND
MEDARDA V. LEUTERIO [G.R. No. 113899. October 13, 1999.]

Section 48

1. TAN CHAY HENG vs. THE WEST COAST LIFE INSURANCE COMPANY
[G.R. No. 27541. November 21, 1927.]

KUYA ERVIEN
2. BERNARDO ARGENTE vs. WEST COAST LIFE INSURANCE CO. [G.R. No.
28499. March 19, 1928.]
3. EMILIO TAN, JUANITO TAN, ALBERTO TAN and ARTURO TAN vs. THE
COURT OF APPEALS and THE PHILIPPINE AMERICAN LIFE INSURANCE
COMPANY [G.R. No. L-48049. June 29, 1989.]

Title 6 - Policy
Cases

Sections 49 & 50
1. K. S. YOUNG, plaintiff-appellee, vs. THE MIDLAND TEXTILE INSURANCE
COMPANY, defendant-appellant. [G.R. No. 9370. March 31, 1915.]

LERCA CUTE 
2. PACIFIC BANKING CORPORATION, petitioner, vs. COURT OF APPEALS
and ORIENTAL ASSURANCE CORPORATION, respondents. [G.R. No. L-
41014. November 28, 1988.]
3. FORTUNE INSURANCE AND SURETY CO., INC., petitioner, vs. COURT OF
APPEALS and PRODUCERS BANK OF THE PHILIPPINES, respondents.
[G.R. No. 115278. May 23, 1995.]
4. ARMANDO GEAGONIA, petitioner, vs. COURT OF APPEALS and COUNTRY
BANKERS INSURANCE CORPORATION, respondents. [G.R. No. 114427.
February 6, 1995.]
5. SECOND DIVISION

SHEN-SHEN
6. GULF RESORTS, INC., petitioner, vs. PHILIPPINE CHARTER INSURANCE
CORPORATION, respondent. [G.R. No. 156167. May 16, 2005.]
7. FE DE JOYA LANDICHO, in her own behalf and as judicial guardian of her
minor children, RAFAEL J. LANDICHO and MA. LOURDES EUGENIA
LANDICHO, plaintiffs-appellees, vs. GOVERNMENT SERVICE INSURANCE
SYSTEM, defendant-appellant. [G.R. No. L-28866. March 17, 1972.]
8. RAFAEL (REX) VERENDIA, petitioner, vs. COURT OF APPEALS and
FIDELITY & SURETY CO. OF THE PHILIPPINES, respondents. [G.R. No.
76399. January 22, 1993.]

THEAHEART
9. MALAYAN INSURANCE CORPORATION, petitioner, vs. THE HON. COURT
OF APPEALS and TKC MARKETING CORPORATION, respondents. [G.R. No.
119599. March 20, 1997.]
10. WESTERN GUARANTY CORPORATION, petitioner, vs. HONORABLE
COURT OF APPEALS, PRISCILLA E. RODRIGUEZ, and DE DIOS
TRANSPORTATION CO., INC., respondents. [G.R. No. 91666. July 20, 1990.]
11. TAURUS TAXI CO., INC., FELICITAS V. MONJE, ET AL., plaintiffs-appellees,
vs. THE CAPITAL INSURANCE & SURETY CO., INC., defendant-appellant.
[G.R. No. L-23491. July 31, 1968.]

KUYA Jeff
12. FINMAN GENERAL ASSURANCE CORPORATION, petitioner, vs. THE
HONORABLE COURT OF APPEALS and JULIA SURPOSA, respondents.
[G.R. No. 100970. September 2, 1992.]
13. GULF RESORTS, INC., petitioner, vs. PHILIPPINE CHARTER INSURANCE
CORPORATION, respondent. [G.R. No. 156167. May 16, 2005.]
14. FRANCISCO JARQUE, plaintiff-appellee, vs. SMITH, BELL & CO., LTD., ET
AL., defendants. UNION FIRE INSURANCE CO., appellant. [G.R. No. 32986.
November 11, 1930.]

SHAREENN
15. PILAR C. DE LIM, plaintiff-appellant, vs. SUN LIFE ASSURANCE COMPANY
OF CANADA, defendant-appellee. [G.R. No. 15774. November 29, 1920.]
16. DEVELOPMENT BANK OF THE PHILIPPINES, petitioner, vs. COURT OF
APPEALS and the ESTATE OF THE LATE JUAN B. DANS, represented by
CANDIDA G. DANS, and the DBP MORTGAGE REDEMPTION INSURANCE
POOL, respondents. [G.R. No. 109937. March 21, 1994.]
17. RAFAEL ENRIQUEZ, as administrator of the estate of the late Joaquin 'Ma.
Herrer, plaintiff-appellant, vs. SUN LIFE ASSURANCE COMPANY OF
CANADA, defendant-appellee. [G.R. No. 15895. November 29, 1920.]

KEEN
18. ANG GIOK CHIP, doing business under the name and style of Hua Bee Kong Si,
plaintiff-appellee, vs. SPRINGFIELD FIRE & MARINE INSURANCE
COMPANY, defendant-appellant. [G.R. No. 33637. December 31, 1931.]
19. PHILIPPINE PHOENIX SURETY & INSURANCE COMPANY, plaintiff-
appellee, vs. WOODWORKS, INC., defendant-appellant. [G.R. No. L-25317.
August 6, 1979.]
20. FORTUNATA LUCERO VIUDA DE SINDAYEN, plaintiff-appellant, vs. THE
INSULAR LIFE ASSURANCE CO., LTD., defendant-appellee. [G.R. No. 41702.
September 4, 1935.]

KRISTOFFER <3
21. BERNARDO ARGENTE, plaintiff-appellant, vs. WEST COAST LIFE
INSURANCE CO., defendant-appellee. [G.R. No. 28499. March 19, 1928.]
22. NEW LIFE ENTERPRISES and JULIAN SY, petitioners, vs. HON. COURT OF
APPEALS, EQUITABLE INSURANCE CORPORATION, RELIANCE
SURETY AND INSURANCE CO., INC. and WESTERN GUARANTY
CORPORATION, respondents. [G.R. No. 94071. March 31, 1992.]
23. LUZ PINEDA, MARILOU MONTENEGRO, VIRGINIA ALARCON, DINA
LORENA AYO, CELIA CALUMBAG and LUCIA LONTOK, petitioners, vs.
HON. COURT OF APPEALS and THE INSULAR LIFE ASSURANCE
COMPANY, LIMITED, respondents. [G.R. No. 105562. September 27, 1993.]

ATE YAKI DYOSA


Section 51

1. COMMISSIONER OF INTERNAL REVENUE, petitioner, vs. LINCOLN


PHILIPPINE LIFE INSURANCE COMPANY, INC. (now JARDINE-CMA LIFE
INSURANCE COMPANY, INC.) and THE COURT OF APPEALS, respondents.
[G.R. No. 119176. March 19, 2002.]

Section 52

1. GREAT PACIFIC LIFE ASSURANCE COMPANY, petitioner, vs.


HONORABLE COURT OF APPEALS, respondents. [G.R. No. L-31845. April
30, 1979.]
2. PACIFIC TIMBER EXPORT CORPORATION, petitioner, vs. THE
HONORABLE COURT OF APPEALS and WORKMEN'S INSURANCE
COMPANY, INC., respondents. [G.R. No. L-38613. February 25, 1982.]

Section 53

Marjee
1. ANTONINA LAMPANO, plaintiff-appellee, vs. PLACIDA A. JOSE ET AL.,
defendants-appellants. [G.R. No. 9401. March 30, 1915.]
2. FROILAN LOPEZ, plaintiff-appellant, vs. SALVADOR V. DEL ROSARIO and
BENITA QUIOGUE DE V. DEL ROSARIO, defendants-appellants. [G.R. No.
19189. November 27, 1922.]
3. BONIFACIO BROS., INC., ET AL., plaintiffs-appellants, vs. ENRIQUE MORA,
ET AL., defendants-appellees. [G.R. No. L-20853. May 29, 1967.]

KUYA ERV
4. HEIRS OF LORETO C. MARAMAG, represented by surviving spouse
VICENTA PANGILINAN MARAMAG, petitioners, vs. EVA VERNA DE
GUZMAN MARAMAG, ODESSA DE GUZMAN MARAMAG, KARL BRIAN
DE GUZMAN MARAMAG, TRISHA ANGELIE MARAMAG, THE INSULAR
LIFE ASSURANCE COMPANY, LTD., and GREAT PACIFIC LIFE
ASSURANCE CORPORATION, respondents. [G.R. No. 181132. June 5, 2009.]
5. RIZAL COMMERCIAL BANKING CORPORATION, UY CHUN BING AND
ELI D. LAO, petitioner, vs. COURT OF APPEALS AND GOYU & SONS, INC.,
respondent. [G.R. No. 128833. April 20, 1998.]
6. MELECIO COQUIA, MARIA ESPANUEVA and MANILA YELLOW
TAXICAB CO., INC., plaintiffs-appellees, vs. FIELDMEN'S INSURANCE CO.,
INC., defendant-appellant. [G.R. No. L-23276. November 29, 1968.]

LERCA CUTE 
Section 56, 57 & 58

1. SAN MIGUEL BREWERY, ETC., plaintiff-appellee, vs. LAW UNION AND


ROCK INSURANCE CO. (LTD.) ET AL., defendants-appellees. HENRY
HARDING, defendant-appellant. [G.R. No. 14300. January 19, 1920.]

Section 59, 60, 61 & 62

1. DEVELOPMENT INSURANCE CORPORATION, petitioner, vs.


INTERMEDIATE APPELLATE COURT, and PHILIPPINE UNION REALTY
DEVELOPMENT CORPORATION, respondents. [G.R. No. L-71360. July 16,
1986.]

Section 63

1. TEAL MOTOR COMPANY, INC., plaintiff-appellant, vs. ORIENT


INSURANCE COMPANY, INC., defendant-appellant. [G.R. No. 36701. March
28, 1934.]

SHENN SHENN
2. PAULO ANG and SALLY C. ANG, plaintiffs-appellees, vs. FULTON FIRE
INSURANCE CO., ET AL., defendants. FULTON FIRE INSURANCE CO.,
defendant-appellant. [G.R. No. L-15862. July 31, 1961.]
3. SECOND DIVISION
4. E. MACIAS & CO., importers and exporters, plaintiff-appellant, vs. THE CHINA
FIRE INSURANCE & CO., LTD., THE YANGTSZE INSURANCE
ASSOCIATION, LTD., and THE STATE ASSURANCE CO., LTD., defendants-
appellees. [G.R. No. L-21881. October 3, 1924.]

THEAHEART
5. SUN INSURANCE OFFICE, LTD., petitioner, vs. COURT OF APPEALS and
EMILIO TAN, respondents. [G.R. No. 89741. March 13, 1991.]
6. EAGLE STAR INSURANCE CO., LTD., KURR STEAMSHIP CO., INC.,
ROOSEVELT STEAMSHIP AGENCY, INC., and LEIF HOEGH & COMPANY,
A/S., petitioners, vs. CHIA YU, respondent. [G.R. No. L-5915. March 31, 1955.]
7. PACIFIC BANKING CORPORATION, petitioner, vs. COURT OF APPEALS
and ORIENTAL ASSURANCE CORPORATION, respondents. [G.R. No. L-
41014. November 28, 1988.]

KUYA JEFF
8. TRAVELLERS INSURANCE & SURETY CORPORATION, petitioner, vs.
HON. COURT OF APPEALS and VICENTE MENDOZA, respondents. [G.R.
No. 82036. May 22, 1997.]
9. ALFONSO G. LOPEZ, plaintiff-appellant, vs. FILIPINAS COMPANIA DE
SEGUROS, defendant-appellee. [G.R. No. L-19613. April 30, 1966.]
10. AGRICULTURAL CREDIT & COOPERATIVE FINANCING
ADMINISTRATION (ACCFA), plaintiff-appellant, vs. ALPHA INSURANCE &
SURETY CO., INC., defendant-appellee, RICARDO A. LADINES, ET AL.,
third-party-defendants-appellees. [G.R. No. L-24566. July 29, 1968.]

SHAREENN
Section 64

1. SAURA IMPORT & EXPORT CO., INC., plaintiff-appellant, vs. PHILIPPINE


INTERNATIONAL SURETY CO., INC., and PHILIPPINE NATIONAL BANK,
defendants-appellees. [G.R. No. L-15184. May 31, 1963.]
2. MALAYAN INSURANCE CO., INC. (MICO), petitioner, vs. GREGORIA CRUZ
ARNALDO, in her capacity as the INSURANCE COMMISSIONER, and
CORONACION PINCA, respondents. [G.R. No. 67835. October 12, 1987.]
Title 7 - Warranties
Cases

Section 67

1. AMERICAN HOME ASSURANCE COMPANY, petitioner, vs. TANTUCO


ENTERPRISES, INC., respondent. [G.R. No. 138941. October 8, 2001.]

KEEN
Section 70

1. ANG GIOK CHIP, doing business under the name and style of Hua Bee Kong Si,
plaintiff-appellee, vs. SPRINGFIELD FIRE & MARINE INSURANCE
COMPANY, defendant-appellant. [G.R. No. 33637. December 31, 1931.]

Section 73

1. PIONEER INSURANCE AND SURETY CORPORATION, petitioner-appellant,


vs. OLIVA YAP, represented by her attorney-in-fact, CHUA SOON POON,
respondent-appellee. [G.R. No. L-36232. December 19, 1974.]
2. PRUDENTIAL GUARANTEE AND ASSURANCE INC., petitioner, vs.
TRANS-ASIA SHIPPING LINES, INC., respondent. [G.R. No. 151890. June 20,
2006.]
KRIS <3
3. EMILIO GONZALEZ LA O, plaintiff-appellee, vs. THE YEK TONG LIN FIRE
& MARINE INSURANCE CO., LTD., defendant-appellant. [G.R. No. 33131.
December 13, 1930.]
4. QUA CHEE GAN, plaintiff-appellee, vs. LAW UNION AND ROCK
INSURANCE CO., LTD., represented by its agent, WARNER, BARNES AND
CO., LTD., defendant-appellant. [G.R. No. L-4611. December 17, 1955.]
5. FIELDMEN'S INSURANCE CO., INC., petitioner, vs. MERCEDES VARGAS
VDA. DE SONGCO, Et Al. and COURT OF APPEALS, respondents. [G.R. No.
L-24833. September 23, 1968.]

ATE YAKI
6. FAR EASTERN SURETY & INSURANCE COMPANY, INC., petitioner, vs.
SOCORRO DANCEL VDA. DE MISA, ARACELI MARIA PINTO and LA
MALLORCA, respondents. [G.R. No. L-24377. October 26, 1968.]

Section 74

1. UNION MANUFACTURING CO., INC. and the REPUBLIC BANK, plaintiffs,


REPUBLIC BANK, plaintiff-appellant, vs. PHILIPPINE GUARANTY CO.,
INC., defendant-appellee. [G.R. No. L-27932. October 30, 1972.]

Section 75

1. ARMANDO GEAGONIA, petitioner, vs. COURT OF APPEALS and COUNTRY


BANKERS INSURANCE CORPORATION, respondents. [G.R. No. 114427.
February 6, 1995.]

Title 8 – Premium
Cases

Section 77

MARJORIE

1. ORIENTAL ASSURANCE CORPORATION, petitioner, vs. COURT OF


APPEALS AND PANAMA SAW MILL CO., INC., respondents. [G.R. No.
94052. August 9, 1991.]
2. GULF RESORTS, INC., petitioner, vs. PHILIPPINE CHARTER INSURANCE
CORPORATION, respondent. [G.R. No. 156167. May 16, 2005.]
3. PHILIPPINE PHOENIX SURETY & INSURANCE, INC., plaintiff-appellee, vs.
WOODWORKS, INC., defendant-appellant. [G.R. No. L-22684. August 31,
1967.]

ERVIEN
4. PHILIPPINE PHOENIX SURETY & INSURANCE COMPANY, plaintiff-
appellee, vs. WOODWORKS, INC., defendant-appellant. [G.R. No. L-25317.
August 6, 1979.]
5. SPS. ANTONIO A. TIBAY and VIOLETA R. TIBAY and OFELIA M.
RORALDO, VICTORINA M. RORALDO, VIRGILIO M. RORALDO, MYRNA
M. RORALDO and ROSABELLA M. RORALDO, petitioners, vs. COURT OF
APPEALS and FORTUNE LIFE AND GENERAL INSURANCE CO., INC.,
respondents. [G.R. No. 119655. May 24, 1996.]
6. UCPB GENERAL INSURANCE CO., INC., petitioner, vs. MASAGANA
TELAMART, INC., respondent. [G.R. No. 137172. April 4, 2001.]

LERCA CUTE 
7. AMERICAN HOME ASSURANCE COMPANY, petitioner, vs. TANTUCO
ENTERPRISES, INC., respondent. [G.R. No. 138941. October 8, 2001.]
8. NATIONAL LEATHER CO., INC., plaintiff-appellant, vs. THE UNITED
STATES LIFE INSURANCE CO., defendant-appellee. [G.R. No. L-2668.
September 30, 1950.]
9. PAZ LOPEZ DE CONSTANTINO, plaintiff-appellant, vs. ASIA LIFE
INSURANCE COMPANY, defendant-appellee. [G.R. No. L-1669. August 31,
1950.]
10. MAKATI TUSCANY CONDOMINIUM CORPORATION, petitioner, vs. THE
COURT OF APPEALS, AMERICAN HOME ASSURANCE CO., represented by
American International Underwriters (Phils.), Inc., respondent. [G.R. No. 95546.
November 6, 1992.]

SHEN SHENN
Section 78
1. AMERICAN HOME ASSURANCE COMPANY, petitioner, vs. ANTONIO
CHUA, respondent. [G.R. No. 130421. June 28, 1999.]
2. THE CAPITAL INSURANCE & SURETY CO., INC., petitioners, vs. PLASTIC
ERA CO., INC., AND COURT OF APPEALS, respondents. [G.R. No. L-22375.
July 18, 1975.]
3. JAMES STOKES, as Attorney-in-Fact of Daniel Stephen Adolfson and DANIEL
STEPHEN ADOLFSON, plaintiffs-appellees, vs. MALAYAN INSURANCE CO.,
INC., defendant-appellant. [G.R. No. L-34768. February 24, 1984.]

THEAHEART
Sections 79, 80, 81 & 82

1. FILIPINAS LIFE ASSURANCE CO., ET AL., petitioners, vs. GONZALO P.


NAVA, respondent. [G.R. No. L-20552. May 20, 1966.]
2. REGINA L. EDILLON, as assisted by her husband, MARCIAL EDILLON,
petitioners-appellants, vs. MANILA BANKERS LIFE INSURANCE
CORPORATION and the COURT OF FIRST INSTANCE OF RIZAL, BRANCH
V, QUEZON CITY, respondents-appellees. [G.R. No. L-34200. September 30,
1982.]
Title 9 – Loss
Cases

Sections 83, 84

1. HEIRS OF ILDEFONSO COSCOLLUELA, SR., INC., petitioner, vs. RICO


GENERAL INSURANCE CORPORATION, COURT OF APPEALS (11th
Division), and HON. ENRIQUE T. JOCSON, Judge, Regional Trial Court of
Negros Occidental Branch, respondents. [G.R. No. 84628. November 16, 1989.]
KUYA JEFF
2. COUNTRY BANKERS INSURANCE CORPORATION, petitioner, vs. LIANGA
BAY AND COMMUNITY MULTI-PURPOSE COOPERATIVE, INC.,
respondent. [G.R. No. 136914. January 25, 2002.]
3. DBP POOL OF ACCREDITED INSURANCE COMPANIES, petitioner, vs.
RADIO MINDANAO NETWORK, INC., respondent. [G.R. No. 147039.
January 27, 2006.]

Section 87

1. PRATS & COMPANY, a registered partnership, plaintiff-appellant, vs. PHOENIX


INSURANCE COMPANY, HARTFORD, CONNECTICUT, a corporation,
defendant-appellee. [G.R. No. 28607. February 21, 1929.]

SHAREENN
2. THE EAST FURNITURE INC., plaintiff-appellant, vs. THE GLOBE &
RUTGERS FIRE INSURANCE CO. OF NEW YORK, defendant-appellee. [G.R.
No. 35848. November 22, 1932.]
3. FGU INSURANCE CORPORATION, petitioner, vs. THE COURT OF
APPEALS, SAN MIGUEL CORPORATION, and ESTATE OF ANG GUI,
represented, by LUCID, JULIAN, and JAIME, all surnamed ANG, and CO TO,
respondents. [G.R. No. 137775. March 31, 2005.]

Title 10 – Notice and Proof of Loss


Cases

Sections 88, 89

1. K. S. YOUNG, plaintiff-appellee, vs. THE MIDLAND TEXTILE INSURANCE


COMPANY, defendant-appellant. [G.R. No. 9370. March 31, 1915.]

KEEN
2. JAMES STOKES, as Attorney-in-Fact of Daniel Stephen Adolfson and DANIEL
STEPHEN ADOLFSON, plaintiffs-appellees, vs. MALAYAN INSURANCE CO.,
INC., defendant-appellant. [G.R. No. L-34768. February 24, 1984.]
3. UNION MANUFACTURING CO., INC. and the REPUBLIC BANK, plaintiffs,
REPUBLIC BANK, plaintiff-appellant, vs. PHILIPPINE GUARANTY CO.,
INC., defendant-appellee. [G.R. No. L-27932. October 30, 1972.]
4. PIONEER INSURANCE AND SURETY CORPORATION, petitioner-appellant,
vs. OLIVA YAP, represented by her attorney-in-fact, CHUA SOON POON,
respondent-appellee. [G.R. No. L-36232. December 19, 1974.]

KRISTOFFER <3
5. YU BAN CHUAN, plaintiff-appellant, vs. FIELDMEN'S INSURANCE CO.,
INC., ET AL., defendants-appellants. [G.R. No. L-19851. June 29, 1965.]
6. FINMAN GENERAL ASSURANCE CORPORATION, petitioner, vs. COURT
OF APPEALS and USIPHIL INCORPORATED, respondents. [G.R. No. 138737.
July 12, 2001.]
7. MALAYAN INSURANCE CO., INC. (MICO), petitioner, vs. GREGORIA CRUZ
ARNALDO, in her capacity as the INSURANCE COMMISSIONER, and
CORONACION PINCA, respondents. [G.R. No. 67835. October 12, 1987.]
8. GO LU, plaintiff-appellee, vs. YORKSHIRE INSURANCE COMPANY,
defendant-appellant. [G.R. No. L-18090. July 25, 1922.]

ATE YAKI
9. EMILIO GONZALEZ LA O, plaintiff-appellee, vs. THE YEK TONG LIN FIRE
& MARINE INSURANCE CO., LTD., defendant-appellant. [G.R. No. 33131.
December 13, 1930.]

Section 90

1. E. M. BACHRACH, plaintiff-appellee, vs. BRITISH AMERICAN ASSURANCE


COMPANY, a corporation, defendant-appellant. [G.R. No. L-5715. December
20, 1910.]

Section 91

1. PACIFIC TIMBER EXPORT CORPORATION, petitioner, vs. THE


HONORABLE COURT OF APPEALS and WORKMEN'S INSURANCE
COMPANY, INC., respondents. [G.R. No. L-38613. February 25, 1982.]

Title 11 – Double Insurance


Cases

MARJORIEE
Section 93

1. ULPIANO SANTA ANA, plaintiff-appellant, vs. COMMERCIAL UNION


ASSURANCE COMPANY, LTD., defendant-appellee. [G.R. No. 32889.
November 20, 1930.]
2. UNION MANUFACTURING CO., INC. and the REPUBLIC BANK, plaintiffs,
REPUBLIC BANK, plaintiff-appellant, vs. PHILIPPINE GUARANTY CO.,
INC., defendant-appellee. [G.R. No. L-27932. October 30, 1972.]
3. PIONEER INSURANCE AND SURETY CORPORATION, petitioner-appellant,
vs. OLIVA YAP, represented by her attorney-in-fact, CHUA SOON POON,
respondent-appellee. [G.R. No. L-36232. December 19, 1974.]

KUYA ERVIEN
4. ARMANDO GEAGONIA, petitioner, vs. COURT OF APPEALS and COUNTRY
BANKERS INSURANCE CORPORATION, respondents. [G.R. No. 114427.
February 6, 1995.]

Title 11 – Reinsurance
Cases

Sections 95, 96

1. EQUITABLE INSURANCE AND CASUALTY COMPANY, INC., plaintiff-


appellee, vs. RURAL INSURANCE AND SURETY COMPANY, INC.,
defendant-appellant. [G.R. No. L-17436. January 31, 1962.]
KEEN
2. THE PHILIPPINE AMERICAN LIFE INSURANCE COMPANY, petitioner, vs.
THE AUDITOR GENERAL, respondent. [G.R. No. L-19255. January 18, 1968.]

Section 97

LERCA CUTE

1. PIONEER INSURANCE & SURETY CORPORATION, petitioner, vs. THE


HON. COURT OF APPEALS, BORDER MACHINERY & HEAVY
EQUIPMENT, INC., (BORMAHECO), CONSTANCIO M. MAGLANA and
JACOB S. LIM, respondents. [G.R. No. 84197. July 28, 1989.]

Section 98

SHENN

1. IVOR ROBERT DAYTON GIBSON, petitioner, vs. HON. PEDRO A. REVILLA,


in his official capacity as Presiding Judge of Branch XII, Court of First Instance
of Rizal, and LEPANTO CONSOLIDATED MINING COMPANY, respondents.
[G.R. No. L-41432. July 30, 1979.]

THEAHEART

2. ARTEX DEVELOPMENT CO., INC., plaintiff-appellee, vs. WELLINGTON


INSURANCE CO., INC., defendant-appellant. [G.R. No. L-29508. June 27,
1973.]

JEFF
3. MELECIO COQUIA, MARIA ESPANUEVA and MANILA YELLOW
TAXICAB CO., INC., plaintiffs-appellees, vs. FIELDMEN'S INSURANCE CO.,
INC., defendant-appellant. [G.R. No. L-23276. November 29, 1968.]

SHARENN
4. DIONISIA, EULOGIA, MARINA, GUILLERMO, and NORBERTO, all
surnamed GUINGON, plaintiffs-appellees, vs. ILLUMINADO DEL MONTE,
JULlO AGUILAR, and CAPITAL INSURANCE & SURETY CO., INC.,
defendants, CAPITAL INSURANCE & SURETY CO., INC., defendant-
appellant. [G.R. No. L-22042. August 17, 1967.]

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