Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
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Insurance Policy Incontestability Clarifying Reinstatement Dates And Insurer Obligations
Philippine Supreme Court clarifies when the incontestability period starts after policy reinstatement, and what insurers must prove to deny claims.
Reinsurance and Attachment Bonds: Upholding Surety Validity Beyond Retention Limits
Supreme Court clarifies that attachment bonds exceeding a surety's retention limit remain valid when the excess is reinsured, explaining reinsurance contracts.
Duty of Disclosure in Insurance Contracts: Insurers Must Prove Concealment
Philippine Supreme Court clarifies that insurers bear the burden of proving concealment or misrepresentation by convincing evidence before rescinding policies.
Securities Deposit Immunity Protecting Policyholders Interests IN Insurance Contracts
Learn how the Supreme Court protects policyholders' interests through the securities deposit immunity rule in insurance contracts.
Maritime Law Shipowner Liability and Seafarers Death Benefits: Insurance and Solidary Obligations Explained
The Supreme Court clarifies shipowner liability, POEA-SEC death benefits, insurance proceeds, and solidary obligations in Phil-Nippon Kyoei v. Gudelosao.
Final Judgment Immutability and Double Interest Under the Insurance Code
A final judgment cannot be altered during execution. The Supreme Court also clarifies the double interest rate under the Insurance Code.
When a Reinstated Life Insurance Policy Becomes Incontestable in the Philippines
Philippine Supreme Court clarifies when the two-year contestability period runs after a life insurance policy is reinstated.
When a Reinstated Life Insurance Policy Becomes Incontestable: Insular Life v. Khu
Explaining when the two-year contestability period for a reinstated life insurance policy begins, and how ambiguous insurance documents are construed against the insurer.
Duty to Notify Insurance Beneficiary Rights and Agent Responsibilities in the Philippines
Philippine Supreme Court ruling on insurance beneficiary notification duties, agent responsibilities, and claim deadlines after the insured's death.
Hearsay on the Highway: When a Traffic Report Cannot Prove Fault in Damage Claims
A traffic accident report based only on an eyewitness's account is hearsay. Learn how this affects insurance subrogation claims.
Intoxication and Insurance Claims: Proving Driver Intoxication to Avoid Liability
The Supreme Court held that an insurer cannot deny an insurance claim by merely alleging driver intoxication without clear, credible, and convincing evidence.
Insurance Claim Denied for Drunk Driver: Proving Intoxication in Philippine Law
Philippine Supreme Court ruling on when insurers may deny claims due to driver intoxication and the evidence required.
Insurance Subrogation Claims: When the Supreme Court Refuses to Re-Examine Facts
SC affirms insurer's subrogation claim against negligent driver and owner, clarifying when factual findings bind the Court.
Enforceability of Compromise Agreements: A Pathway to Resolving Legal Disputes
Philippine Supreme Court approves compromise agreement in insurance dispute, showing how amicable settlements end litigation and become binding judgments.
Procedural Rigidity vs Substantial Justice: Navigating the Rules of Court in COA Appeals
A Supreme Court ruling on Fortune Life Insurance clarifies why strict compliance with Rule 64 deadlines and proof of service requirements is mandatory in COA appeals.
Substantial Justice Prevails: Recantation and Forum Shopping in Health Insurance Claims
Supreme Court rules procedural technicalities yield to substantial justice in PhilHealth accreditation dispute involving recanted patient statement.
Subrogation and Proof of Negligence: Lessons from Standard Insurance v. Cuaresma
A subrogee insurer cannot recover damages without proving the insured's claim by preponderance of evidence, including the negligent party's fault.
Rehabilitation Courts Have Limited Jurisdiction Over Insurance Claims of Corporate Debtors
Supreme Court clarifies that rehabilitation courts cannot adjudicate insurance claims filed by the distressed company against its insurers.
Malicious Damage Exclusion Does Not Cover Vehicle Theft by Employee
Theft by an insured's employee is covered by insurance unless the policy explicitly excludes "loss," not just Since the driver was in the insured's service, the insurer argued that the theft fell unde
When Insurance Exclusions Cover Damage But Not Loss: A Philippine Supreme Court Ruling
Philippine Supreme Court rules that "malicious damage" exclusion in insurance policies does not cover theft or loss of a vehicle.
Breach of Insurance Contract: The Impact of Unapproved Property Relocation
When insured property moves without insurer consent, coverage may cease. Learn from Malayan Insurance v. PAP Co. on relocation risks.
Double Insurance Claims: When CBA Hospitalization Benefits Exclude Other Insurer Payments
Philippine Supreme Court rules on whether CBA hospitalization benefits can be claimed alongside other health insurance payments. Key ruling explained.
Private vs Common Carrier: Who Bears Cargo Loss Under Insurance Policies
Philippine Supreme Court clarifies when a carrier is private or common, and how "other insurance" clauses affect liability for lost cargo.
False Declarations in Insurance Claims: When Fraud Voids a Fire Policy
The Supreme Court voided a P50-million fire insurance claim after finding the insured padded its losses, showing how false declarations forfeit policy benefits.