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INSURANCE LAW

Syllabus
Atty. Catherine S. Amen
(Tuesday, 7:30-9:30PM)
Reference: Essentials of Insurance Law by Timoteo B. Aquino

I. General Provisions
a. Applicable Laws
b. General Concepts of Insurance
Cases: Republic v. Sunlife Ins. Co., G.R. No. 158085, 14 October 2005
White Gold Marine Services v. Pioneer Ins., G.R. No. 154514, 28 July 2005
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c. Characteristics
i. Insurance as a Risk Distributing Device
ii. Contract of Adhesion or Fine Print Rule
Case: Rizal Surety and Insurance Co. v. Court of Appeals, 336 SCRA 12, 2000
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iii. Aleatory
iv. Contract of Indemnity
v. Uberrimae Fides Contract
d. Essential Elements of Contract of Insurance; Requisites of Insurance
Cases: Philippine Health Care Providers, Inc. v. CIR, G.R. No. 167330, 18 September 2009
Gulf Resorts, Inc. v. Phil. Charter Insurance Corp., G.R. No. 156167, 16 May 2005
Philamcare Health Systems, Inc. v. Court of Appeals, G.R. No. 125678, 18 March 2002
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e. Perfection
Cases: Eternal Gardens Memorial Park v. Philamlife Insurance Company, G.R. No. 166245, 08 April 2008
Development Bank of the Philippines v. Court of Appeals, 231 SCRA 370
Great Pacific Life Assurance Corp. v. Court of Appeals, G.R. No. L-31845, 30 April 1979
Enriquez v. Sun Life Assurance Co. of Canada, 41 Phil. 269
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II. Parties
a. Insured
b. Insurer
c. Beneficiary
Cases: Heirs of Loreto Maramag v. Maramag, G.R. No. 181132, 05 June 2009
The Insular Life Assurance Co. v. Ebrado, 80 SCRA 181, 28 October 1997
Del Val v. Del Val, 29 Phil. 534
BPI v. Posadas, 56 Phil. 215
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III. Insurable Interest


a. Insurable Interest in Life Insurance

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b. Insurable Interest in Property Insurance
Cases: Gaisano Cagayan, Inc. v. Insurance Company of North America, G.R. No. 147839, 08 June 2006
Rizal Commercial Banking Corporation v. CA, 289 SCRA 292
Armando Geagonia v. CA, 241 SCRA 152, 161
Filipino Merchants Insurance Co., Inc. v. CA, G.R. No. 85141, 28 November 1989
Harvardian Colleges of San Fernando v. Country Bankers Ins. Corp., CA-G.R. CV No. 03771, 06
January 1986
Ang Ka Yu v. Phoenix Assurance Co. Ltd., CA-G.R. No. 27881-R, 28 September 1961
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c. Insurable Interest of Beneficiary in Life Insurance
d. Insurable Interest of Beneficiary in Property Insurance
Case: Cha v. CA, 277 SCRA 690
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IV. Premium
a. Concept
Case: UCPB General Insurance Co., Inc. v. Masagana Telamart, Inc., G.R. No. 137172, 04 April 2001
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b. Effect of non-payment of Premium
Case: Makati Tuscany Condominium Corporation v. CA, et al., G.R. No. 95546, 06 November 1992
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i. Exceptions
Case: UCPB General Insurance Co., Inc. v. Masagana Telamart, Inc. G.R. No. 137172, 04 April
2001
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c. Return of Premium

V. Policy of Insurance
a. Definition and Form
b. Fine Print Rule
c. Basic Contents of a Policy
d. Cover Notes
Case: Pacific Timber Export Corp. v. CA, 112 SCRA 199
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e. Rider
Case: CIR v. Lincoln Philippine Life Insurance Company, G.R. No. 119176, 19 March 2002
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f. Kinds of Property Insurance Policy
g. Cancellation of Policy
Case: Philamcare Health Systems v. CA, G.R. No. 125678, 18 March 2002
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h. Time to Commence Action on the Policy
i. Reinstatement of the Policy
Case: Lalican v. The Insular Life Assurance Co., Ltd., G.R. No. 183526, 25 August 2009
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VI. Devices for Ascertaining and Controlling Risks and Losses
a. Concealment
Cases: Philamcare Health Systems, Inc. v. CA et al., G.R. No. 125678, 18 March 2002
Sunlife Assurance Company of Canada v. CA and Rolando and Bernarda Bacani, 246 SCRA 268
Vda. De Canilang v. CA, 223 SCRA 443
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b. Representation
c. Warranty
d. Condition
e. Exception
Case: Country Banker’s Insurance Corporation v. Lianga Bay and Community Multi-purpose Cooperative, G.R.
No. 136914, 25 January 2002
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f. Other Insurance Clause
Cases: Pioneer Insurance and Surety Corp. v. Yap, 61 SCRA 426
General Ins. and Surety Corp. v. Ng Hua, 106 Phil. 1117
Gonzales La O v. Yek Tong Lin, 55 Phil. 286
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g. Incontestability Clause

VII. Double Insurance


a. Definition and Requisites
b. Distinguished from Over-Insurance
c. Stipulation Against Double Insurance
d. Over-Insurance by Double Insurance

VIII. Reinsurance
a. Definition
b. Parties
c. Distinguished from Double Insurance and Co-Insurance
d. Kinds of Reinsurance
e. Cancellation

IX. Marine Insurance


a. Definition
b. Kinds of Marine Insurance
c. Risks Insured Against
Cases: Go Tiaco Y Hermanos v. Union Insurance Society of Canton, 40 Phil. 40
Choa Tiek Seng v. CA, 183 SCRA 223
Filipino Merchants Ins. Co. v. CA, 179 SCRA 638
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d. Insurable Interest
e. Concealment
f. Representation
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g. Implied Warranties
Cases: Delsan Transport Lines, Inc. v. CA, G.R. No. 127897, 15 November 2001
Caltex Phil. Inc. v. Sulpicio Lines, Inc., 315 SCRA 709
Roque v. IAC, 139 SCRA 596
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h. The Voyage and Deviation
i. Loss
j. Abandonment
k. Measure of Indemnity

X. Fire Insurance
a. Definition
b. Scope of Fire Insurance
c. Risks or Losses Covered
d. Effect of Alteration in the Thing Insured
e. Measure of Indemnity
Case: Development Insurance Corporation v. IAC, 143 SCRA 62
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f. Co-Insurance Clause

XI. Life Insurance


a. Definition
b. Kinds of Life Insurance
c. Liability of Insurer in case of Suicide
d. Right to Assign Life Insurance Policy
e. Measure of Indemnity

XII. Casualty Insurance


a. Concept
Cases: Biagtan v. The Insular Life Assurance Co. Ltd., 44 SCRA 58
Pan Malayan Insurance Corp. v. CA, 184 SCRA 54
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b. Kinds:
i. Theft and Robbery Insurance
Case: Fortune Insurance and Surety Company, Inc. v. CA and Producer’s Bank of the Philippines,
G.R. No. 115278, 23 May 1995
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ii. Personal Accident and Health Insurance
Case: Sun Insurance Office, Ltd. v. CA and Nerissa Lim, G.R. No. 92383, 17 July 1992
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iii. Glass Insurance
iv. Employer’s Liability Insurance
v. Motor Vehicle Liability Insurance

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vi. Compulsory Motor Vehicle Liability Insurance

XIII. Suretyship
a. Definition
b. Nature of Liability of Surety
c. Distinctions between Suretyship and Property Insurance

XIV. Claims Settlement and Subrogation


a. Claims Settlement
Cases: Zenith Insurance Corp. v. CA, 185 SCRA 389
Tio Kho Chio v. CA, 202 SCRA 119
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b. Fraudulent Claim
c. Prescriptive Period
Case: Jacqueline Jimenez Vda. De Gabriel v. CA, G.R. No. 103883, 04 November 1996
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d. Subrogation
Cases: Pan Malayan Ins. v. CA, 184 SCRA 54
Wallen Phil. Shipping, Inc. v. Prudential Guarantee Assurance, Inc., G.R. No. 152158, 07 February
2003
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