In Sun Insurance Office, Ltd. v. Court of Appeals, the Philippine Supreme Court ruled that an insured’s contributory negligence, such as mistakenly believing a gun was unloaded, does not equate to willful exposure to peril or suicide. Therefore, the insurer remains liable for the policy’s proceeds.
Sun Insurance Office, Ltd. vs. Court of Appeals [July 17, 1992] Read More »
In Edillon v. Manila Bankers Life Insurance Corp., the Supreme Court ruled that an insurance policy is a contract of adhesion, meaning any ambiguity is interpreted in favor of the insured. The Court emphasized that insurers must clearly and explicitly state any exceptions or limitations to coverage within the policy.
Edillon vs. Manila Bankers Life Insurance Corp. [September 30, 1982] Read More »
In Argente v. West Coast Life Insurance Co., the Supreme Court ruled that an insurance contract can be rescinded if the insured conceals material facts, even unintentionally. The Court emphasized that all relevant information must be disclosed to the insurer to ensure the validity of the policy.
Argente vs. West Coast Life Insurance Co. [March 19, 1928] Read More »
In Canilang v. Court of Appeals, the Supreme Court ruled that an insured’s failure to disclose prior medical consultations constitutes material concealment, allowing the insurer to rescind the policy. The Court emphasized that concealment need not be intentional; even unintentional omissions can void the contract.
