CASES ON LAW ON INSURANCE

I. Insurance Laws
A. Concept of Insurance
 Philippine Health Care Providers, Inc., vs. Commissioner of Internal
Revenue, G.R. No. 167330, September 18, 2009 a.1 Interpretation of insurance contract
 Philamcare Health System vs. Court of Appeals (379 SCRA 356 [2002])
 Lalican vs. Insular Life Assurance Company, Ltd. (597 SCRA 159 [2009])
 Alpha Insurance and Surety Co. vs. Castor, GR No. 198174, September 2,
2013

B. Elements of an Insurance Contract

 Philamcare Health System vs. Court of Appeals (379 SCRA 432 [1997])
 Fortune Medicare Inc. vs Amorin, G.R. No. 195872, March 12, 2014
 JAIME T. GAISANO v. DEVELOPMENT INSURANCE and SURETY
CORPORATION, G.R. No. 190702, February 27, 2017

C. Characteristics/Nature of Insurance Contracts

 Heirs of Loreto C. Maramag vs. Eva Verna De Guzman Maramag, et al.,
G.R. No. 181132, June 5, 2009
 Tibay vs. Court of Appeals (257 SCRA 126 [1996])

D. Classes
i. Marine
 Isabela Roque, doing business under the name and style of Isabela Roque
Timber Enterprises, et al., vs. The Intermediate Appellate Court, et al., G.R. No. L-
66935, November 11, 1985
 Cathay Insurance Co., vs. Court of Appeals, et al., G.R. No. L-76145, June 30,
1987
 Filipino Merchants Insurance Co., Inc., vs. Court of Appeals, et al., G.R. No.
85141, November 28, 1989  Choa Tiek Seng, doing business under the name and style
of Seng’s Commercial Enterprises vs. Court of Appeals, et al., G.R. No. 84507, March 15,
1990
 Keppel Cebu Shipyard, Inc. vs. Pioneer Insurance and Surety Corporation, 601
SCRA 96
 Mayer Steel Pipe Corp. vs. Court of Appeals and South Sea Surety (274 SCRA
432 [1997])

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ii. Fire
 Development Insurance Corporation vs. Intermediate Appellate Court, et al.,
G.R. No. L-71360, July 16, 198
 Pacific Banking Corp. vs. Court of Appeals and Oriental Assurance Corporation
(168 SCRA 1 [1988])
 Philippine Home Assurance Corporation vs. Court of Appeals, G.R. No. 106999,
June 20, 1996
 MALAYAN INSURANCE CO., INC. v. LIN. G.R. No. 207277, January 16, 2017

iii. Casualty
 Fortune Insurance and Surety Co., Inc. vs. Court of Appeals and Producers
Bank of the Philippines, G.R. No. 115278, May 23, 1995
 Coquia vs. Fieldmen’s Insurance Company, Inc., 26 SCRA 178
 Far Eastern Surety & Trust Company, Inc. vs. Misa, 25 SCRA 662
 Finman General Assurance Corporation vs. Court of Appeals, 213 SCRA 493

iv. Suretyship
 First Lepanto-Taisho Insurance Corporation vs. Chevron Philippines, Inc., G.R.
No. 177839, January 18, 2012
 National Power Corporation vs. Court of Appeals, et al., G.R. No. L-43706,
November 14, 1986
 Finman General Assurance Corporation vs. William Inocencio, et al., G.R. No.
90273- 75, November 15, 1989
 Country Bankers Insurance Corporation vs. Antonio Lagman, G.R. No. 165487,
July 13, 2011

v. Life
 Re: Claims for Benefits of the Heirs of the Late Mario vs. Chanliongco, Adm.
Matter No. I90-RET., October 18, 1977
 The Insular Life Assurance Company, Ltd., vs. Carponia T. Ebrado and Pascuala
Vda. De Ebrado, G.R. No. l-44059, October 28, 1977
 Great Pacific Life Assurance Company vs. Court of Appeals, 89 SCRA 543
(1979)
 Tan vs. Court of Appeals, 174 SCRA 403 (1989)
 Sun Insurance Office, Ltd. vs. Court of Appeals, G.R. No. 92383, July 17, 1992
 Heirs of Loreto C. Maramag vs. Maramag, GR No. 181132, June 5, 2009

vi. Compulsory Motor Vehicle Liability Insurance

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  Vda. De Maglana vs. Hon. Consolacion (212 SCRA 268 [1992])
 The Heirs of George Y. Poe vs. Malayan Insurance Company, Inc., G.R. No.
156302, April 7, 2009
 Jewel Villacorta vs. Insurance Commission, et al., G.R. No. 54171. October 28,
1980
 James Stokes, as Attorney-in-Fact of Daniel Stephen Adolfson vs. Malayan
Insurance Co., Inc., G.R. No. L-34768. February 24, 1984
 Andrew Palermo vs. Pyramid Insurance Co., Inc., G.R. No. L-36480. May 31,
1988
 Agapito Gutierrez vs. Capital Insurance & Surety Co., Inc., G.R. No. L-26827,
June 29, 1984
 Lao vs. Standard Insurance Company, Inc., 409 SCRA 43
 Perla Compania De Seguros, Inc., vs. Hon. Constante A. Ancheta, Presiding
Judge of the Court of First Instance of Camarines Norte, Branch III, et al., G.R. No. L-
49699, August 8, 1988

E. Insurable Interest
1. In Life/Health
 Philamcare Health System vs. Court of Appeals (379 SCRA 356 [2002])
 Lalican vs. Insular Life Assurance Company Ltd (597 SCRA 159 [2009])
 El Oriente Fabrica de Tabacos vs. Posada (56 Phil 147 [1931])

2. In Property
 Spouses Nilo Cha and Stella Uy Cha vs. Court of Appeals, G.R. No.
124520, August 18, 1997
 Malayan Insurance Company vs. PAP Co. (PHIL. BRANCH), G.R. No.
200784, August 07, 2013
3. Double Insurance and Over Insurance
 Armando Geagonia vs. Court of Appeals, et al., G.R. No. 114427,
February 6, 1995
 Malayan Insurance Co., Inc., vs. Philippine First Insurance Co., Inc. and
Reputable Forwarder Services, Inc., G.R. No. 184300, July 11, 2012

4. Multiple or Several Interests on Same Property

 Armando Geagonia vs. Court of Appeals, et al., G.R. No. 114427,
February 6, 1995
 Great Pacific Life vs. Court of Appeals (316 SCRA 677 [1999])

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 F. Perfection of the Contract of Insurance

1.Offer and Acceptance/Consensual

 People of the Philippines vs. Yip Wai Ming, G.R. No. 120959, November
14, 1996
 Great Pacific Life Assurance Company vs. Hon. Court of Appeals, G.R.
No. L-31845. April 30, 1979
a. Delay in Acceptance
b. Delivery of Policy
c. Cancellation of policy
 Malayan Insurance Co., Inc. vs. Gregoria Cruz Arnaldo, in her capacity as
the Insurance Commissioner, et al., G.R. No. L-67835, October 12, 1987

2. Premium Payment
 Capital Insurance & Surety Co., Inc., vs. Plastic Era Co., Inc., et al., G.R.
No. L-22375, July 18, 1975
 Philippine Phoenix Surety & Insurance Company vs. Woodwork, Inc.,
G.R. No. L25317, August 6, 1979
 Pacific Timber Export Corporation vs. Court of Appeals, et al., G.R. No.
L-38613, February 25, 1982
 Arturo Valenzuela, et al. vs. Court Of Appeals, et al., G.R. No. 83122,
October 19, 1990
 Philippine Pryce Assurance Corporation vs. Court of Appeals, et al., G.R.
No. 107062, February 21, 1994
 American Home Assurance vs. Antonio Chua, G.R. 130421, June 28,
1999
 UCPB General Insurance Co. Inc., vs. Masagana Telemart, Inc., G.R. No.
137172, April 4, 2001  Makati Tuscany Condominium Corp. vs. Court of Appeals
(215 SCRA 463 [1992])
 Jose Marques and Maxilite Technologies, Inc., vs. Far East Bank And
Trust Company, et al., G.R. No. 171379, January 10, 2011
 PHILAM INSURANCE CO., INC., NOW CHARTIS PHILIPPINES
INSURANCE, INC., v. PARC CHATEAU CONDOMINIUM UNIT OWNERS
ASSOCIATION, INC., AND/OR EDUARDO B. COLET, G.R. No. 201116, SECOND
DIVISION, March 4,2019, REYES, JR., J.

3.Non-DefaultOptions in Life Insurance

4.Reinstatement of a Lapsed Policy of Life Insurance
 James McGuire v. The Manufacturers Life Insurance Co., G.R. No. L-
3581, September 21, 1950

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  Andres vs. Crown Life Ins. Co., G.R. No. L-10875, January 28, 1958
5.Refund of Premiums
 Great Pacific Life Insurance Corporation vs. Court of Appeals, et al., G.R.
No. L57308, April 23, 1990

G. Rescission of Insurance Contracts

1. Concealment
 Great Pacific Life Assurance Company vs. Court of Appeals, G.R. No. L-
31845. April 30, 1979
 Ng Gan Zee vs. Asian Crusader Life Assurance Corporation, G.R. No. L-
30685, May 30, 1983
 New Life Enterprises and Julian Sy vs. Court of Appeals, et al., G.R. No.
94071, March 31, 1992
 Sunlife Assurance Company of Canada vs. Court of Appeals, et al., G.R.
No. 105135, June 22, 1995
 Saturnino v. Phil-Am Life (7 SCRA 316 [1963])
 Thelma Vda. De Canilang vs. Court of Appeals and Grepalife (223 SCRA
443 [1993])
 The Insular Life Assurance Co., Ltd. v. Heirs of Alvarez, G.R. Nos.
207526 & 210156, October 3, 2018, Third Division, J. Leonen

2. Misrepresentation/Omissions
 Ma. Lourdes s. Florendo vs. Philam Plans, Inc., et al., G.R. No. 186983,
February 22, 2012
 Emilio Tan vs. Court of Appeals, G.R. No. 48049, June 29, 1989
 Manila Bankers Life Insurance Corporation vs. Cresencia P. Aban, G.R.
No. 175666, July 29, 2013
 Florendo vs. Philam Plans, G.R. No. 186983, February 22, 2012
 The Insular Life Assurance Co., Ltd. v. Heirs of Alvarez, G.R. Nos.
207526 & 210156, [October 3, 2018]

3. Breach of Warranties
 Qua Chee Gan v. Law Union (98 Phil 85 [1955])
 Malayan Insurance Company, Inc. vs. Pap Co., Ltd., G.R. No. 200784,
August 7, 2013
 New Life Enterprises vs. Court of Appeals, 207 SCRA 669
 Young vs. Midland Textile Insurance Company, 30 Phil. 617

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  Bachrach vs. British American Assurance Company, 17 Phil. 555
 Young vs. Midland Textile Insurance Company, 30 Phil. 617

H. Claims Settlement and Subrogation

 Perla Compania De Seguros, Inc. vs. Court of Appeals, G.R. No. 78860,
May 28, 1990
 Malayan Insurance Co vs. Alberto, G.R. No. 194320, February 1, 2012

i. Notice and Proof of Loss

 FGU Insurance Corporation vs. Court of Appeals, 454 SCRA 351
 United Merchants Corporation vs. Country Bankers Insurance Corporation,
G.R. No. 198588, July 11, 2012
 Finman Gen. Assurance vs. Court of Appeals (361 SCRA 214 [2001])
 Tan It vs. Sun Insurance 51 Phil 212
 Industrial Personnel and Management Services, Inc. v. Country Bankers
Insurance Corp., G.R. No. 194126, [October 17, 2018]

ii. Guidelines on Claims Settlement

a. Unfair Claims Settlement; Sanctions
b. Prescription of Action
 Summit Guaranty and Insurance Company, Inc. vs. Hon. Jose C. De
Guzman, in his capacity as Presiding Judge of Branch III, CFI of Tarlac, et al.,
G.R. No. L-50997, June 30, 1987
 Sun Life Office, Ltd. vs. Court of Appeals, GR. No. 89741, Mar. 13, 1991
 Country Bankers Insurance Corp., vs. Travellers Insurance and Surety
Corp., et al., G.R. No. 82509, August 16, 1989
 H.H. Hollero Construction vs GSIS, GR no. 152334, September 24, 2014

c. Subrogation
 Pan Malayan Insurance Corporation vs. Court of Appeals, et al., G.R. No.
81026, April 3, 1990
 Aboitiz Shipping Corporation v. Insurance Company Of North America,
G.R. No. 168402, August 6, 2008  Malayan Insurance Co., Inc., vs. Rodelio
Alberto, et al., G.R. No. 194320, February 1, 2012
 The Philippine American General Insurance Company, Inc., vs. Court of
Appeals, et al., G.R. No. 116940, June 11, 1997
 Fireman’s Fund Insurance Company vs. Jamila & Company, Inc., G.R.
No. L-27427, April 7, 1976

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  St. Paul Fire & Marine Insurance Co. vs. Macondray & Co., Inc., et al .,
G.R. No. L27796, March 25, 1976  Manila Mahogany Manufacturing
Corporation vs. Court of Appeals, G.R. No. L52756, October 12, 1987  Delsan
Transport Lines, Inc. vs. Court of Appeals, et al., G.R. No. 127897, November 15,
2001
 Eastern Shipping Lines, Inc. vs. Prudential Guarantee and Assurance,
Inc., G.R. No. 174116, September 11, 2009
 Asian Terminals vs First Lepanto-Taisho Insurance, GR no. 185964,
June 16, 2014
 Loadstar Shipping Company vs Malayan Insurance Company, GR no.
185565, November 26, 2014
 LOADSTAR SHIPPING COMPANY, INCORPORATED and LOADSTAR
INTERNATIONAL SHIPPING COMPANY, INCORPORATED v. MALAYAN
INSURANCE COMPANY, INCORPORATED, G.R. No. 185565 (Resolution), April
26, 2017
 EQUITABLE INSURANCE CORPORATION v. TRANSMODAL
INTERNATIONAL, INC., G.R. No. 223592, August 7, 2017
 KEIHIN-EVERETT FORWARDING CO., INC., v. TOKIO MARINE
MALAYAN INSURANCE CO., INC. and SUNFREIGHT FORWARDERS &
CUSTOMS BROKERAGE, INC., G.R. No. 212107, SECOND DIVISION, October
28, 2019, REYES, J. JR., J.

I. Miscellaneous Topics

1. Liability of Insurer
 Pacific Timer Export Corporation vs. Court of Appeals, 112 SCRA 199 (1982)
 Zenith Insurance Corporation vs. Court of Appeals, 119 SCRA 485 (1982)
 Noda vs. Cruz-Arnaldo, 151 SCRA 227 (1987)
 Vda, De Maglana vs.Consolacion, 212 SCRA 268 (1992)
 GSIS vs. CA, 308 SCRA 559 (1999)
 Tiu vs. Arriesgado, 437 SCRA 426 (2004)

2. Insurance Agent
 Aisporna vs. Court of Appeals, 113 SCRA 459 (1982)
 Great Pacific Life Assurance Corporation vs. Judico, 180 SCRA 445 (1989)
 Great Pacific Life Assurance Corporation vs. National Labor Relations Commission,
187 SCRA 694 (1990)
 Pineda vs. Court of Appeals, 226 SCRA 754 (1993)
 Philippine American Life Insurance Company vs. Ansaldo, 234 SCRA 509 (1994)

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 South Sea Surety and Insurance Co., Inc. vs. Court of Appeals, 244 SCRA 744 (1995)
 Smith, Bell & Co., Inc. vs. Court of Appeals, 267 SCRA 530 (1997)

3. Reinsurance
 Gibson vs. Revilla, 92 SCRA 219 (1979)
 Avon Insurance PLC vs. Court of Appeals, 278 SCRA 312 (1997)
 COMMUNICATION and INFORMATION SYSTEM v. MARK SENSING AUSTRALIA,
et al G.R. No. 192159, January 25, 2017

4. Documentary Stamp Tax on Insurance Policy

 Philippine Home Assurance Corp. vs. Court of Appeals, 301 SCRA 443 (1999)
 Commissioner of Internal Revenue vs. Lincoln Philippine Life Insurance Co., Inc., 379
SCRA 423 (2002)

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