FIRST

1. Philam care case

2. definition of insurance contract
3. characteristics
4. diff with suretyship v insu contract
5. when perfected
6. current insurance law in phils
7. what may be insured
8. whitegold case, philhealth case.
9. Diff bet: surety, insurance / hmo, insurance / gambling, insurance.
10. Hypo: wife got insurance policy for husband. Wife dies. What is
the effect?

SECOND
1. What is section 48
2. Right to rescind must be exercised when?
3. Meaning of incontestability
4. How long para maging incontestable ang life insurance?
5. Can the 2-yr period be shortened?
6. Can the 2-yr period be extended?
7. Purpose of the 2-yr period
8. A concealed his disease on the application, a policy was issued in
his favor. After 1 yr from the issuance, A died. Questions:
a) May the beneficiaries claim the proceeds?
b) can the insurance company rescind the contract?
9. Supposing A died 20 years after the date ng issuance - same
question
sa
#8.
10. Other grounds for rescission na pwede pa kahit naglapse na ung
2yr
period
11. Soliman Case
12. Meaning of policy of insurance
13. Who signs #12?
14.
is
policy
the
same
as
the
contract?
15.
Does
delivery
perfect
the
insurance
policy?
16.
What
is
a
rider
17. Inconsistencies between rider and policy - what should prevail?
why?
18.
What
is
a
clause?
19.
What
are
warranties?

20. Does the code prescribe certain format ng insurance policy?

21. Electronic Documents - can they be valid insurance policies?
22. Enriquez Case
23. Perez Case
24. Sindayen Case
25. Bago mamatay si A, his application was approved.. pero
namatay siya without knowledge of the approval - question:
perfected
ang
contract?
26.
The
insurance
policy
contains:_______?
27. Reason for specifying the amount of insurance
28.
Reason
for
indicating
the
risks
in
the
policy
-necessary when it is considered that the insurer's undertaking is to
indemnify the insured for loss, damage or liability caused or created
only
by
the
risks
insured
against.
29.
What
is
a
cover
note?
30.
Duration
of
a
cover
note?
31. What will happen pagnatapos na ung 60-day period?
32.
Gloria
Case
33. Can a person not named as a beneficiary sa insurance claim?
34. What do you call a contract na naga-inure sa benefit ng 3rd
persons?
35. Instances na pwede ka magclaim kahit di ka beneficiary?
36. Bonifacio Bros case
37. Del Val Case
38. Coquia Case
39. RCBC Case
40 Guingon Case
41. Requirements pag agent ang nagprocure ng insurance policy
42. Open v. Valued v. Running
43. ^Most favorable sa insured? Why?

THIRD
1. Section 63
2. What is the period allowed by law if there is no stipulation?
3. Why 10 years?
4.
Kailan
naga
accrue
ang
cause
of
action?
5. Filipino Merchant Case
6. Mayer Case
7. Grounds for cancellation

8. Requirements for cancellation

9. Renewal - may right ba ang insured to renew ung insurance?
10. What is a warranty?
11. Kinds of warranties
12. Express Warranty
13. Implied Warranty
14. Affirmative Warranty
15. Promissory Warranty
16. Warranty v. Representation
17.
^In
case
of
doubt,
what
will
prevail?
Why?
18. American Home Assurance Case
19. Section 72
20. Ang Giok Chip Case
21. "Another instrument" meaning
22. Included ba ang rider sa "another instrument"?
23. What is the effect ng non-fulfillment of warranties?
24. ^Exceptions? (See Sec 73)
25. Qua Chee Gan Case
26. Young Case
27. Is materiality of warranty essential para sa rescission?
28. Meaning ng "Warranty is material"
29.Geagonia v CA
30. Is fraud necessary para makaviolate ng warranty?
31. May difference ba sa effect pag may fraud or wala sa part ng
insured? If yes, ano?
32. What is a condition?
33. Kinds of conditions
34. Condition Precedent
35. ^example
36. Condition Subsequent
37. ^example
38. Effect(s) of non-fulfillment of condition subsequent?
39. Meaning of exceptions
40. Exceptions v. Warranties v. Conditions
41. What is a premium?
42. What is the effect pag hindi nakapagbayad ng premium ang
insured? (Qualify mo, kung 1st payment ba o hindi)
43. Exceptions ng sec 77. (see 257-259 ng book)
44. Makati Tuscani Case
45. UCPB Case

46. What is credit extension?

47. Saan provided ang credit extension? (Before amendment sa
jurisprudence lang, after amendment nasa law na siya section 79)
48.
What
is
an
acknowledgment
receipt?
49.
^What
if
hindi
nagbayad
ng
first
premium?
50. May acknowledgment receipt pero walang actual payment question: can the insurer demand for the payment ng premium
notwithstanding na may AR na conclusive evidence ng payment?
51. Payment gamit promissory note or check - possible?
52.
What
is
the
cash
and
carry
rule?
53. Nagbayad ng PN or check.. pero bago maging cash, nasunog
ung insured property - question: makakaclaim ba ung insured?
54. Instances when the insured is entitled for the return of the
premium
55. Meaning of over-insurance

FOURTH
1.) What is a claim?
2.) Before loss, can the insured assign his right sa insurance
contract?
3.) ^Eh in life insurance?
4.) After loss, can the insured assign his right sa insurance contract?
5.) Is the consent of the insurer necessary pag inassign after ng
loss?
6.) Agreement to assign before loss - bakit void?
7.) What is a loss?
8.) Who has the burden of proof when loss has occurred?
9.) When is the insurer liable?
10.) A insured his house against FIRE. Fire caused an explosion
which
destroyed
the
house.
Is
the
insurer
liable?
11.) What if the explosion is an excepted peril, is the insurer liable?
12.)A insured his building against FIRE. Explosion caused the fire.
Fire
destroyed
the
building.
Is
the
insurer
liable?
13.) A insured his stocks in trade against FIRE. The stocks were
stored in a bodega. The bodega was destroyed by fire.. pero ung
stocks ay hindi nasunog dahil sa agarang pagresponde ng mga
bumbero.. Nabasa yung mga stocks at hindi na mapakinabangan pa.
Is the insurer liable?

14.) ^Fire out. Stocks were not soaked. The owner left the goods in
the warehouse as is. Looters were able to steal the stocks. Is the
insurer liable?
15.) ^ Kelan magiging liable ang insurer pag-nanakaw ung stocks?
16.) United Merchants v. Country Bankers Case
17.) FGU Corp v. Court of Appeals Case
18.) Sunlife Insurance Case
19.) What is a notice of loss?
20.)
Is
there
a
form
required
by
law?
21.) Pwede oral notice?
22.) Period kung kailan dapat mabigay ang notice of loss?
23.) Can the parties stipulate yung period to give notice?
24.) Is the insured required to give proof of loss? or sufficient na
yung
notice
of
loss?
25.) What is a proof of loss?
26.) May required form ba ang proof of loss?
27.) Who decides kung sufficient na ang proof of loss?
28.) Pacific Timber Case
29.) What is double insurance?
30.) Double Insurance vs. Over-insurance?
31.) Can there be over-insurance sa double insurance?
32.) Can there be over-insurance without double insurance?
33.)Is double insurance prohibited by law?
34.) SECTION 94!!!!!!!
35.) X ay may insurable interest sa bahay niya na P60,000.
Ininsure niya ung house kay A ng P30,000; kay B ng 60,000; at kay
C ng 90,000
i.) May over-insurance?
ii.) Eh double insurance?
iii.) Apply yung 1st rule sa section 94
36.) Difference sa rule ng pagvalued and unvalued
37.) See #35 - X claimed P30,000 from A; 60,000 from B; at 90,000
kay C. QUESTION: What is the rule pagkasobra ang nacollect?
38.) How do you determine the liability of the insurers among
themselves?
39.) What is reinsurance?
40.) Purpose or Benefits of reinsurance?
41.) Types of reinsurance
42.) How is reinsurance effected?
43.) Discuss automatic

44.) Discuss facultative

45.) Is the reinsurer liable to the insured?
46.) ^Instances na pwedeng maging liable ang reinsurer sa original
insured.

FIFTH
1.) Ano ung covered ng marine insurance?
INJURY TO PASSENGERS, included?
2.) Kailangan ba nasa vessel yung precious stones etc para macover ng insurance policy?
3.) Perils of the sea vs. Perils of the ship
4.) La Razon Case and MALAYAN CASE
5.) Sa all-risk insurance, yung peril of the ship, covered ba ng policy?
6.) Burden of proving in an all-risk insurance?
7.) Insurable interest over the vessel
8.) Insurable interest of the charterer
9.) Section 101 - SEC. 103. The insurable interest of the owner of
the ship hypothecated by bottomry is only the excess of its value
over the amount secured by bottomry.
10.) Why is it in bottomry ang pwede lang i-insure yung difference sa
value?
11.) Bakit in charter party ang insurable interest ng owner ay yung
full volume ng vessel pero un bottomry bakit yung difference lang?
12.) Who has insurable interest in freightage?
13.) What is freightage?
14.) Exceptions in concealment (Section 110) - SEC. 112.
15.) What is the effect if insured concealed these facts and such
concealment is the cause of the loss?
16.) What are the implied warranties under Marine insurance? (Page
345)
17.) Can these implied warranties be waived?
18.) When is the implied warranty of seaworthiness satisfied?
19.) When do you determine that the seaworthiness has been
complied with? - sec117
20.) Recknong point of seaworthiness - seaworthiness relates to the
vessel's actual condition at the time of the commencement of the
voyage.
21.) Pano kung during the voyage naging unseaworthy yung vessel?
22.) If ship becomes unseaworthy, pero seaworthy nung

commencement of voyage, tapos nagkaroon ng loss, liable ba

insurer?
23.) What is deviation? (Page 356)
24.) When is there proper deviation?
25.) Effects of improper deviation
27.) Ship lumubog, tapos may nasalvage na 1/4 or 1/6 of the value of
the vessel. Is there actual loss? - if insured is effectively deprived of
the use and possession of the property as where the property
insured passes into the possession of captors or salvors.
28.) Even if the insured was able to recover scrap metals and sold
the same, acutal loss pa din? - no
29.) When is there constructive loss? (page 263)
20.) Instances of constructive total loss?
31.) What are the options of the insured pag may constructive total
loss?
32.) Requisites of abandonment (page 370
33.) Pag may proper abandonment, may the insurer refuse to pay
the insurance?
34.) Panu if improper yung abandonment?
35.) What is co-insurance?
36.) When does co-insurance arise?
37.) Before there may be co-insurance, what must be the nature of
the insurance?
38.) Requisites of co-insurance, what must be the nature of the
insurance?
39.) Is there an insurance in marine insurance wherein the goods are
not injured pero liable pa din yung insurer?
40.) What is general average?
41.) Liable ba yung insurer for particular average? (page 365) 42.) Mere stipulation in the policy makes the insurer liable in
particular average?
43.) Ano yung covered ny fire insurance?
44.) What do you mean by hostile fire? (page 282)
45.) Friendly fire? (page 281)
46.) Building for residential tapos a portion of which is for the storage
of firecrackers na binebenta, pwede ba irescind ng insurer?
47.) Residential property pero may zoning ordinance converting the
property to a commercial property tapos ginawang store ng
firecrackers, pwede ba irescind ng insurer?

48.) How do you measure the indemnity in fire insurance? (page

401)
49.) Pag open policy? Valued policy
50.) House in 2005 - P5,000,000 House present - P5,500,000
Nasunog. Ano ang liablity ng insurer? Pag open? (P5.5M) Pag
valued? (P5M)
51.) Pano pag may partial loss tapos open policy? Same example
tapos 1/5 yung na-destory? - 1/5 of 5.5M - value of property at time
of loss
IF VALUED - 1/5 of 5M
52.) What is co-insurance?
53.) Co-insurance in fire insurance (page 403)
54.) If A insured his house worth P3,000,000 pero yung insured ay
P2,000,000 lang tapos may nasunog worth 1.5m. Liablity ng insurer
pag may co-insurance? - 2/3 of 1.5M
55.) ^ Same example. totally nasunog. Magkano liability ng insurer
pag may co-insurance? - full amount of 2M
56.) Ong Gua Case

SIXTH
1.) What is casualty insurance?
2.) Examples of casualty insurance?
3.) Enumerate some types of insurance falling under casualty
insurance
4.) What is covered by casualty insurance? Liability lang or injury
lang?
5.) Criminal liability covered ng casualty insurance? How about
liability arising from tort? - criminal negligence - accidental - motor
insurance policy - deliberate criminal acts- not insurable
6.) In a third party liability, ano ung insurable interest?
7.) Example of liability insurance - motor vehicle liability, professional
liability, products liability
8.) Liability insurance v insurance against actual loss
9.) With respect to determining the liability of the insurer, kailangan
ba may judgment saying liable yung insurer?
10.) Can the third person directly claim from the insurer?
11.) Is the insurer solidarily liable sa insured? 12.) Can the third
person choose from whom he can collect?
13.) What is suretyship?

14.) Nature of liability of a surety - solidary; limited/fixed; contractual

15.) Surety v guaranty
16.) Suretyship v property
17.) Is the CASH AND CARRY rule applicable to suretyship?
18.) Is there a premium paid sa suretyship?
19.) In suretyship, is the acceptance of the obligee necessary?
20.) Is there an instance na walang pagbayad ng premium pero valid
ang suretyship?
21.) CASE: Prudential Guarantee v Equinox - building construction
22.) CASE: Philippine Pryce v CA - surety
23.) ^Pano nadetermine na may acceptance sa part ng oblige? requirement of bond before purchase Invoices for purchase were
delivered and received
24.) What does life insurance cover?
25.) What is the risk insured against?
26.) General types of life insurance?
27.) What is a contract of life annuity?
28.) ^Is it a life insurance?
29.) In life insurance, is death caused by accident covered?
30.) What is accident?
31.) CASE: De la Cruz v CA - boxing
32.) Liability of insurer in case of intentional acts by third persons? if excepted peril
33.) ^Yung intention ba, kailangan intention to kill a specified person
o to kill any person?
34.) CASE: Kanapi v. Insular Life - bullet wound
35.) CASE: Calanoc v. CA watchman
36.) CASE: Biagtan v. Insular Life - 9 stab wounds
37.) ^Pano pag yung pagstab kay Biagtan ay once lang pero fatal,
excepted din ba un? Yung number of stabs ba yung basis ng SC in
concluding na intentional at hindi accident ang pagpatay?
38.) CASE: Finman v. CA - festival
39.) Liability of insurer in case of suicide
40.) Is the 2-year period maximum or minimum?
41.) Bakit 2 years lang? reason behind
42.) May instance ban na committed ang suicide within the 2 year
period pero liable ang insurer?
43.) Can the insurer assign his life insurance to anyone? Kaht
walang insurable interest yung assignee? Why?

44.) When should insurable interest exist in life insurance policy.

SEE SECTION 19
45.) Is the consent of the insurer necessary in an assignment of
insurance? How about beneficiary?
46.) How does the insurer measure his liability?
47.) Can you quantify the insurable interest in life insurance? HOW

SEVENTH
1.) What is a motor vehicle?
2.) What is a passenger?
3.) Example ng passengers but hindi required to pay [ng fare]?
4.) Who is a third party?
5.) Same ba ang third party and passenger?
6.) ^Purpose ng differentiation ng 3rd party and passenger?
7.) Who is an owner?
8.) Who is an operator?
9.) Insurance policy lang ba ang option ng owner and operators?
10.) Cash deposit na requirement magkano dapat?
11.) Who/What determines the amount of the cash bond?
12.) Effect pag nag fail ang owner/operator to procure an insurance
policy, surety bond, or cash bond?
13.) ^Pag private vehicle, hindi rin pwede mag-operate?
14.) When naga-accrue ang liability ng insurer?
15.) ANNA MAY ininsure yung car niya. Nabangga ni Anna may si B.
Nagfile si B ng DALAWANG kaso: Criminal reckless imprudence
resulting to damage to property; tsaka civil damages. INSURER ni
ANNA: B, Hindi ka pa pwede mag-claim kasi wala pang judgment na
liable si ANNA MAY, therefore, hindi ako liable.
QUESTIONS: a.) Tama ba yung insurer ni ANNA? Why or Why not?
b.) Pwede bang makaclaim si B sa parehas na case (Crim and civil)
para sa isang act lang?
16.) So upon the happening of the accident, the injured party can go
directly sa insurer?
17.) What is the no fault indemnity clause?
18.) Requirements before one can claim under the no fault indemnity
clause?
19.) Yung requirements ba, dapat all or kahit isa lang?
20.) ANNA bus - MAY bus - at pedestrian - Nagbangaan si ANNA
bus at MAY bus. - Nasugatan yung mga pasahero ni ANNA bus. -

Nasugatan yung mga pasahero ni MAY bus. - May nadamay na

pedestrian.
QUESTIONS: a.) Kanino pwede mag claim yung mga pasahero ni
ANNA bus under NFIC? b.) Kanino pwede mag claim yung mga
pasahero ni MAY bus under NFIC? c.) Kanino pwede mag claim
yung nadamay na pedestrian? d.) Paano madedetermine kung sino
ang liable sa pedestrian?
21.) Kailangan ba ng final judgment bago makaclaim under NFIC?
22.) Limit ng NFIC?
23.) P15,000 paano pag sumobra yung damage/injury. Maclaim ba
ng injured yung sumobra sa 15,000?
24.) ^If yes, HOW? If no, why?
25.) If the insurer pays under the NFIC, exonerated na ba yung party
at fault?
26.) Purpose of NFIC?
27.) Can insurer cancel the insurance policy?
28.) Effect pag insured fails to get a new Insurance Policy, post
Surety Bond, or post Cash bond?
29.) Effect ng cancellation ng cover?
30.) CASE: TIU v. Arriesgado
31.) CASE: Perla Compania de Seguros, Inc. v. Ancheta
32.) Is an occupant a passenger?
33.) Is an occupant a third party?
34.) So sino talaga ang occupant?
35.) CASE: Vda de Maglana v. Consolacion
36.) CASE: Villacorta v. Insurance Commissioner
37.) CASE: Association of Baptis v. Fieldmens Insurance (NOTE:
Hindi necessary ang conviction sa crim case)
38.) CASE: Palermo v. Pyramid Insurance
39.) CASE: Tanco v. Philippine Guaranty
40.) CASE: Gutierrez Case
41.) May form ba ang claim? WRITTEN dapat
42.) Period ng claiming?
43.) Can the insured institute an action when he failed to file a notice
of claim with the insurer? WHY or WHY NOT?