Case Digests Archives - Page 12 of 13

Tan vs. Court of Appeals and The Philippine American Life Insurance Co. [June 29, 1989]

In Tan v. Court of Appeals and The Philippine American Life Insurance Co., the Supreme Court ruled that an insurer can still rescind a policy during the two-year incontestability period, even if the insured is deceased. The case emphasized that misrepresentation by the insured, including failure to disclose health conditions, voids the policy.

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Pacific Banking vs. Court of Appeals [November 28, 1988]

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In Pacific Banking v. Court of Appeals, the Supreme Court ruled that non-disclosure of co-insurances by the original insured, Paramount, violated the policy’s conditions and invalidated the contract. The Court also emphasized that Pacific’s failure to submit a formal proof of loss before filing a lawsuit barred its claim.

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Edillon vs. Manila Bankers Life Insurance Corp. [September 30, 1982]

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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.

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Argente vs. West Coast Life Insurance Co. [March 19, 1928]

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In Argente v. West Coast Life Insurance Co., the Supreme Court ruled that an insurance contract can be rescinded if the insured conceals material facts, even unintentionally.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.

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Sunlife Assurance vs. Court of Appeals [June 22, 1995]

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In Sunlife Assurance v. Court of Appeals, the Supreme Court ruled that an insured’s failure to disclose significant health issues, such as recent hospitalization for renal failure, allows the insurer to rescind the policy, even if the undisclosed condition is unrelated to the cause of death.

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Canilang vs. Court of Appeals [June 17, 1993]

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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.

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Ng vs. Asian Crusader [May 30, 1983]

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In Ng v. Asian Crusader Life Assurance Corp., the Supreme Court ruled that for an insurer to rescind a policy due to misrepresentation, the misrepresentation must be both material and fraudulent. The Court emphasized that the burden of proving such misrepresentation lies with the insurer.

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Visayan Sawmill Co. vs. Court of Appeals [March 3, 1993]

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In Visayan Sawmill Co. v. Court of Appeals, the Supreme Court ruled that a contract to sell, contingent upon the buyer opening an irrevocable letter of credit by a specified date, is unenforceable if the buyer fails to meet this condition. The seller may rescind the contract without liability.

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Lawyer’s Cooperative vs. Tabora [April 30, 1965]

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In Lawyer’s Cooperative v. Tabora, the Supreme Court held that when a buyer receives goods but the seller retains title to secure payment, the risk of loss transfers to the buyer upon delivery. Therefore, the buyer is liable for the remaining balance even if the goods are later destroyed.

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Chrysler Philippines Corporation vs. CA and Sambok Motors Co. [December 19, 1984]

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In Chrysler Philippines Corp. v. Court of Appeals and Sambok Motors Co., the Supreme Court held that if a seller fails to deliver goods to the buyer as agreed, the seller bears the risk of loss. Therefore, the seller cannot demand payment for undelivered goods.

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