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FIRST 20. Does the code prescribe certain format ng insurance policy? 1. Philam care case
FIRST
20. Does the code prescribe certain format ng insurance policy?
1. Philam care case
21. Electronic Documents - can they be valid insurance policies?
2. definition of insurance contract
22. Enriquez Case
3. characteristics
23. Perez Case
4. diff with suretyship v insu contract
24. Sindayen Case
5. when perfected
25. Bago
mamatay si
A,
his
application
was
approved
pero
6. current insurance law in phils
namatay
siya
without
knowledge
of
the
approval
-
question:
7. what may be insured
perfected
ang
contract?
8. whitegold case, philhealth case.
26.
The
insurance
policy
contains:
?
9. Diff bet: surety, insurance / hmo, insurance / gambling, insurance.
27.
Reason
for
specifying
the
amount
of
insurance
10.
Hypo: wife got insurance policy for husband. Wife dies. What is
28.
Reason
for
indicating
the
risks
in
the
policy
the effect?
-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.
SECOND
29.
What
is
a
cover
note?
1. What is section 48
30.
Duration
of
a
cover
note?
2. Right to rescind must be exercised when?
31.
What
will
happen
pagnatapos
na
ung
60-day
period?
3. Meaning of incontestability
32.
Gloria
Case
4. How long para maging incontestable ang life insurance?
33.
Can a person not named as a beneficiary sa insurance claim?
5. Can the 2-yr period be shortened?
34.
What do you call a contract na naga-inure sa benefit ng 3rd
6. Can the 2-yr period be extended?
persons?
7. Purpose of the 2-yr period
35. Instances na pwede ka magclaim kahit di ka beneficiary?
8. A concealed his disease on the application, a policy was issued in
36. Bonifacio Bros case
his favor. After 1 yr from the issuance, A died. Questions:
37. Del Val Case
a) May the beneficiaries claim the proceeds?
38. Coquia Case
b)
can
the
insurance
company
rescind
the
contract?
39. RCBC Case
9.
Supposing A died 20 years after the date ng issuance - same
40 Guingon Case
question
sa
#8.
41. Requirements pag agent ang nagprocure ng insurance policy
10.
42. Open v. Valued v. Running
2yr
Other grounds for rescission na pwede pa kahit naglapse na ung
period
43. ^Most favorable sa insured? Why?
11.
Soliman Case
12.
Meaning of policy of insurance
13.
Who signs #12?
THIRD
14.
is
policy
the
same
as
the
contract?
1.
Section 63
15.
Does
delivery
perfect
the
insurance
policy?
2. What is the period allowed
by law
if
there
is no stipulation?
16.
What
is
a
rider
3. Why 10 years?
17.
Inconsistencies between rider and policy - what should prevail?
4. Kailan
naga
accrue
ang
cause
of
action?
why?
5. Filipino Merchant Case
18.
What
is
a
clause?
6. Mayer Case
19.
What
are
warranties?
7. Grounds for cancellation
8. Requirements for cancellation 46. What is credit extension? 9. Renewal - may right ba
8. Requirements for cancellation
46. What is credit extension?
9. Renewal - may right ba ang insured to renew ung insurance?
47. Saan provided ang credit extension? (Before amendment sa
10.
What is a warranty?
jurisprudence lang, after amendment nasa law na siya section 79)
11.
Kinds of warranties
48.
What
is
an
acknowledgment
receipt?
12.
Express Warranty
49.
^What
if
hindi
nagbayad
ng
first
premium?
13.
Implied Warranty
50.
May acknowledgment receipt pero walang actual payment -
14.
Affirmative Warranty
question: can the insurer demand for the payment ng premium
15.
Promissory Warranty
16.
Warranty v. Representation
51.
notwithstanding na may AR na conclusive evidence ng payment?
-
Payment
gamit
promissory
note
or
check
possible?
17.
^In
case
of
doubt,
what
will
prevail?
Why?
52.
What
is
the
cash
and carry rule?
18.
American Home Assurance Case
53.
Nagbayad ng PN or check
pero bago maging cash, nasunog
19.
Section 72
ung insured property - question: makakaclaim ba ung insured?
20.
Ang Giok Chip Case
54.
Instances when the insured is entitled for the return of the
21.
"Another instrument" meaning
premium
22.
Included ba ang rider sa "another instrument"?
55.
Meaning of over-insurance
23.
What
is
the
effect
ng
non-fulfillment
of
warranties?
24.
^Exceptions? (See Sec 73)
25.
Qua Chee Gan Case
FOURTH
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
3
6. 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?
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
42. What is the effect pag hindi nakapagbayad ng premium ang
stored in a bodega. The bodega was destroyed by fire
pero ung
insured?
(Qualify
mo,
kung
1st
payment
ba
o
hindi)
stocks ay hindi nasunog dahil sa agarang pagresponde ng mga
43. Exceptions ng sec 77. (see 257-259 ng book)
bumbero
Nabasa yung mga stocks at hindi na mapakinabangan pa.
44. Makati Tuscani Case
Is the insurer liable?
45. UCPB Case
14.) ^Fire out. Stocks were not soaked. The owner left the goods in the warehouse
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?
44.) Discuss facultative
45.) Is the reinsurer liable to the insured?
46.) ^Instances na pwedeng maging liable ang reinsurer sa original
insured.
FIFTH
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
1.) Ano ung covered ng marine insurance?
INJURY TO PASSENGERS, included?
2.) Kailangan ba nasa vessel yung precious stones etc para ma-
cover 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
36.) Difference sa rule ng pagvalued and unvalued
345)
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
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
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
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. Fieldmen’s 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?