Third party liability insurance

In this case, Sio Choy’s jeep, insured by Malayan Insurance for own damage and third-party liability, collided with a bus, causing injuries to passenger Vallejos. The Supreme Court ruled that both the insured (Sio Choy) and the insurer (Malayan Insurance) are solidarily liable to the victim, with the insurer entitled to reimbursement from the negligent third party’s employer, San Leon Rice Mill, Inc., through subrogation.