FR_ SATURNJNO UR]OS UNlVERSi-py

of Law
College
Butuan City

INSURANCE
(Law 309)
1- Som. SY. 2017-2018

SYLLABUS

The Insurance Code

as amended by
Republic Act No. 10607

A, GENERAL PROVISIONS (Sections 1-2)

General tasu,a ?*' 2 262 (1W>

'
c Mayer Steel Corp. vs. CA, 274 SCRA 432 (1997)

Rizal Surely & Insurance Company

vs-
&4*cav '
3*9 SCRA 24 (2001)
*
0cLsan Transport lines, Inc. vs. CA,
CA, 379 SCRA 356 (2002)
* Philamcaro Health System, Inc. vs.
L Federal Express Corp. vs. American Home Assurance Company, 437 SCRA 50 pH)
-Gulf Resort, Tnc. vs. Phil, Charter Insurance Corp., 458 SCRA 550 (2005)
.-White Gold Mariiw Services, Inc, vs. Pioneer Insurance & Surety Corp.,
ufjjy v- 464 SCRA 448, (July 28, 2005)
-.'Blue Cross Health Care, Inc. vs. Olivares, 544 SCRA 580 (2008)
esoerrso i-rptiil. Health Care Providers, Inc. vs. GI.R, 600 SCRA 413 (2009)

B. THE CONTRACT OF INSURANCE

B.l. What May Be Insured (Sections 3-5)

B-2. Parties To The Contract (Sections 6-9)
BJ3r Insurable Interest (Sections 10-25)
8.4. Concealment (Sections 26-35)
B,5, Representation (Sections 36-48)
B,6. The Policy (Sections 49-66)
B.7. Warranties (Sections 67-76)
B.8. Premium (Sections 77-84)
B,9, Loss (Sections 85-89)
B.10. Notice of Loss (Sections 90-94)
B.Il. Double Insurance (Sections 95-96)
8*12. Reinsurance (Sections 97-100)

Cases:
vs> & SCRA 287 (1969)
' vs, CFI Manila, 165 SCRA 162 (1988)
'Filipinas Cia de Seguros vs. Christem Huenfdd & Co., 89 Phil. 54 (1951)
' Winshop vs. Phil. Trust Co., 90 Phil. 744 (1952)
v5- Court of Appeals (130 SCRA 327 July 16, 1984)
/
'Malayan Insurance Co., Inc, vs. Cruz Amaldo (154 SCRA 672 / Oct.12, 1987)
/Liimibao vs. Intermediate Appellate Court (189 SCRA 469 / Sept. 13, 1990)
Great Pacific Life Assurance Company vs. Court of Appeals
(89 SCRA 543 j April 30, 1979)
Ng Gan Zee vs. Asian Crusader Life Insurance Corporation
{ (120 SCRA 461 f May 30, 1983)
New Life Enterprises vs. Court of Appeals (207 SCRA 669 / March 31, 1992)
 2

Sunlifc Assurance Company of Canada T-

Court of Appfe
<245 SCRA 268 / Juno 22, 1995)
St&OJUQ t Pan Malayan Insurance Corp. vs. CA (1S4 SCRA ,
54
Perla Compania deSeguros, Inc, vs. CA (185
SCRA iAApril3'
f
-Delsan Transport Lines, Inc. vs. CA (369 SCRA 24 i 2S- 1990)
-Capital Insurance & Surety Co Inc. vs. Plasty Era r 0
(65 SCRA 134 / July 18, 1975) '
Great Pacific life Insurance Corp. vs* CA
(184 SCRA 501 / April 23, 1990)
Valenzuela vs. CA (191 SCRA 1 / Oct, 19, 1990)
CAUJ Phil. Pryce Assurance Corp. vs. CA
(230 SCRA 164 / Feb, 21, 1994)
American Home Assurance Co. vs. Chua
(309 SCRA 250 / June 28, 1999)
-UCPB Gen, Insurance Co. vs. Masagana Telamart
(356 SCRA 307 / June 15, 1999)
'Vda, De Magtana vs. Consolacion (212 SCRA 268 / Aug. 6 1992)
' 1
GSIS vs. CA (308 SCRA 559 /June 21, 1999)
plGujPrt, *- Tin vs, Arricsgado (437 SCRA 426 / SepL 1, 2004)
Gibson vs. Revilla (92 SCRA 219 / July 30, 1979)
Avon Insurance PLC vs. Court of Appeals (278 SCRA 312 / Aug. 29, 1997)
-Summit Guaranty and Insurance Co., Inc. vs. De Guzman
(151 SCRA 389 / June 30, 1987)
Bankers Insurance Corp. vs. Travellers Insurance and
Surety Corporation (176 SCRA 523 / Aug. 16, 1989)
Travelers Insurance & Surety Corporation vs. Court of Appeals
(272 SCRA 536 / May 22, 1997)
Phil, Home Assurance Corp. vs. Court of Appeals
P&LrNyl <u.
(301 SCRA 443 / Jan, 21, 1999)
Commissioner of Internal Revenue vs. Lincoln Phil, Life Insurance Co Inc,
(379 SCRA 423 / March 19, 2002)
FGU Insurance vs. CA (454 SCRA 337 / March 31, 2005)
-Gulf Resorts, Iruc. vs. FhiL Charter Insurance Corp,
(458 SCRA 550 / May 16, 2005)
-Phil. Charter Insurance Corp, vs, Chemoil Lighterage Corp.
(462 SCRA 77 / June 29, 2005)
Sulpido Lines vs. First Lepanto (462 SCRA 125 / June 29, 2005)
Yu vs, CA (476 SCRA 443 / Nov. 29, 2005)
Danzas Corp. vs. Abrogar (478 SCRA 80 / Dec. 15, 2005)
Gaisano vs. Ins. Co. of North America (490 SCRA 286 / June 8, 2006)
-Prudential Guarantee & Assurance vs. Trans-Asia
(491 SCRA 411 f June 20, 2006)
rCIR vs. Phil. Health Care Providers, Inc. (April 24, 2007)SCRA 333
Ong Lim Sing, Jr. vs. FEB Leasing & Finance Corp., 524 '
Eternal Gardens Memorial Park Corp. vs. PhilAm. Life Insuamce P
LJM
Lalican vs. The Insular Life Assurance Co. Ltd., 597 SCRA 159 (2009)
Malayan Insurance Co., Inc. vs. Phil. First Insurance Co InC-
676 SCRA 268 (2012)
United Merchants Corp. vs. Country Bankers, 676 SCRA 38 (

Cl CLASSES OF INSURANCE

Cl. Marine Insurance (Sections 101-168)

Cases;
 r C.6. MICTO Insurance (Section5 187-188)
4

D. FINANCIAL REPORTING FRAMEWORK (Sect.on 189)

ewrffoiLj
_ ,,
E THE BUSINESS OF INSURANCE
1. While Gold v,vs- 1Pioneer Insurance (464 SCRA 448 / July
28,
-2. Republic vs. AssurftncC (473 scRA 129 / Oct 14, 2005)
0. New World Intern ona] (Phils.), Inc. vs. 2005)
NYK-FilJapan Shipping Corp.,
.
f SALES AGENCIES AND TECHNICAL SERVICES
SUMAyOJ) i

1. Aispoma vs. CA (113 SCRA 459 / April 12, 1982 )

2, Phil. American Life Ins. Co. vs. Ansaldo (234 SCRA
509 / July 26, 1994)
3. Smith, Bell & Co., Inc. vs. CA (267 SCRA 530 / Feb. 6, 1997)
eserreaw *-4. Tongko vs. The Manufacturers Life Ins. Co., 570 SCRA 503 (2008)
-5. Gregorio V. Tongko Vs. The Manufacturers Life insurance Co.
(Phils,), Inc. and
Renato A. Verge! De Dios (June 29, 2010)

G. COMPULSORY MOTOR VEHICLE LIABILITY INSURANCE

Eskimof
-*2.
a-1 Villacorta vs. Insurance Commission (100 SCRA 467 / Oct 28, 1980)
.
Stokes vs. Malayan Insurance Co., Inc. (127 SCRA 766 / Feb, 24, 1984)
3. Peria Compania dc Segaros, Inc. vs. Court of Appeals
(208 SCRA 487 / May 7, 1992)
4. Imson vs. Court of Appeals (239 SCRA 58 / Dec. 8, 1994)
TMOOy tJ 5. Fortune Insurance and Surety Co., Inc. vs. Court of Appeals
(244 SCRA 308 / May 23, 1995)

H. THE INSURANCE COMMISSIONER

I 1. Santiago Syjuco, Inc. vs. Tecson (116 SCRA 685 / Sept. 21, 1982)
L-2. Finman General Assurance Corporation vs. Tnocendo
(179 SCRA 480 / Nov. 15, 1989)

PRIMARY REFERENCE
The Insurance Code of the Philippines Annotated
By: Hector S, De Leon and
Hector M. De Leon, Jr.
Other references:

The Insurance Code and Insolvency Law with

Comments and Annotations
By: Hernando B. Perez

Essentials of Insurance Law

By: Timoteo B. Aquino

Handbook on Insurance Law

(RA 10607)
By: Rotille S. Aquino-Tambasatan
 3

-tlippim* American General Insurance Co t

(273 SCRA 262 /Jirne 11, 1997) -
c v
0(
APptalg
/fcPfjTMeo

Mayer Steel Pipe Corporation vsr Court of
*
(274 SCRA 42 / June 19, 1997) 1 PWUR
Philippine Home Assurance Corporation vCourt
of Appo,,,
(252 SCRA 46S [ June 20, 1996)
-Inti. Container Terminal vs. FGU Insurance, 556 See
-
Aboiliz Shipping vs. Ins. Co. of North America, 5<ji
UCPB General Insurance vs. Aboiliz (Feb. 10, 2009) (7098)
Phil. First Insurance vs. Wallem Phils. Shipping (March
AtorMue * Eastern
Shipping Lines, Inc, vs. Prudential Guarani , j
599 SCRA 565 (2009) Ass
Keppel Cebu Shipyard, Inc. vs. Pioneer Insurance
601 SCRA 96 (2009) Surety Corp.,
-Asian Terminate Inc. vs. Daehan Fire And Marine Ins
eCATftQU (Feb. 4,2010} Ltd.,
fit&*** 4r -Asian Terminals, Inc, vs. Malayan Insurance Co., Inc,, W7
SCRA 111 (2011)
C.2. Fixe Insurance (Sections 169-175)

Cases:
Insurance Corporation vg. Intermediate Aoudhtn ,+

(143SCRA 62 / July 16,1986)

PAOIAA Geagonia vs. Court Appeals (241 SCRA 152 / Feb. 16, 1995)
of
Cha vs. Court of Appeals (277 SCRA 690 / Aug, IB, 1997)
-Great Padfic life Assurance Corp. vs. Court of Appeals
(316 SCRA 677 / Ort. 13, 1999)

C3. Casually Insurance (Section 176)

Cases
F&JW e- -Philamcarc Health Systems, Lnc vs. Court of Appeals
(379 SCRA 356 / March 18, 2002)
-Blue Cross Health Care, lnc. vs. Neomi and Danilo Olivares
(Feb. 12, 2008)

C.4, Suretyship (Sections 177-180)

Cases:
-National Power Corporation vs. Court of Appeals
(145 SCRA 533 / Nov. 14, 19B6)
Prudential Guarantee and Assurance, Inc. vs. Equinox Land Corp.,
PAKZZ 533 SCRA 257 (2007)
Intra-Strata Assurance Coip, vs. Republic 557 SCRA 363
)
Country Bankers Insurance Corp, vs, legman, 653 SCRA 765 (
Amurao
-The Manila Insurance Company, Inc. vs, Sps, Roberto and A.da
(January 16, 2013)

G5- Life Insurance (Sections 181-186)

Cases:
-Mario B, Chanliongco (79 SCRA 364 / Oct. 18*
Insular Life Assurance Company, Ltd, vs. Ebrado
P&IZZ. V- (80 SCRA 181 / Oct 28, 1977)
Great Padfic Life Assurance Company vs. Court o PF
(89 SCRA 543 /April 30, 1979)
-Tan vs. Court of Appeals (174 SCRA 403 / Jt*nc '