Prescription Archives

Sun Insurance vs. Court of Appeals [March 13, 1991]

In Sun Insurance vs. Court of Appeals, the Supreme Court ruled that the 12-month period to file a lawsuit for insurance claims starts when the insured receives the insurer’s initial denial. Requesting reconsideration doesn’t pause this period. Filing after this timeframe results in prescription, barring the claim.

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Lopez vs. Filipinas Compania De Seguros [April 30, 1966]

In Lopez vs. Filipinas, the Supreme Court ruled that filing a complaint with the Insurance Commissioner doesn’t stop the 12-month prescriptive period for insurance claims. Only a court action can do this. Since Lopez filed in court after the period lapsed, his claim was barred.