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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Unwarranted Benefits Local Officials Liability FOR Illegal Insurance Agreements IN Pagsanjan
Supreme Court clarifies liability under Section 3(e) for mayors and councilors in illegal insurance contracts without public bidding.
Accident Insurance Claims in the Philippines: Proving Entitlement and Avoiding Denial
The Supreme Court clarifies how insured persons can prove accident insurance claims and when insurers face liability for wrongful denial.
SALN Declarations and Judicial Ethics: Lessons from a Judge's Insurance Business Case
A Supreme Court ruling clarifies when judges face liability for owning businesses and why SALN transparency matters for good faith errors.
GSIS Housing Loan Death Claims: When Insurance Lapses but Equity Survives
Philippine Supreme Court ruling on GSIS housing loans, Sales Redemption Insurance coverage, and heirs' right to restructure after a borrower's death.
GSIS Housing Loans and Insurance: Protecting Heirs' Rights After a Borrower's Death
A Supreme Court ruling on GSIS housing loans clarifies when Sales Redemption Insurance applies and how heirs can save a deceased borrower's property from cancellation.
Insurance Claims and Excluded Risks: Understanding Insurrection and Rebellion
When do violent attacks fall under excluded insurance risks like insurrection or rebellion? The Supreme Court clarifies in Platinum Group Metals Corp. v. Mercantile Insurance.
Conjugal Property vs Separate Insurance: When a Spouse's Death Does Not Pay Off the Mortgage
A Supreme Court ruling clarifies when a mortgage redemption insurance payout applies after a spouse's death, and how conjugal property is determined.
Bank Liable for Moral Damages Over Mortgage Redemption Insurance Non-Disclosure
When a bank offers mortgage redemption insurance, it must disclose coverage limits. Learn from Land Bank v. Miranda why non-disclosure can lead to damages.
Res Ipsa Loquitur and Hearsay Evidence in Philippine Vehicular Accident Claims
Philippine Supreme Court clarifies when res ipsa loquitur can overcome hearsay objections to traffic accident reports in insurance subrogation claims.
Quasi-Delict Liability After a Vehicular Accident: Lessons from Laza v. Standard Insurance
The Supreme Court clarifies when a driver is negligent in a collision, the rules on vicarious liability, and what it takes to overturn factual findings on appeal.
When Credit Extensions Make Insurance Policies Valid: Chartis v. Cyber City
The Supreme Court clarifies when non-payment of premiums does not invalidate an insurance policy, and when insurers may collect.
One-Year Prescription Period for Insurance Claims: The Alpha Plus Ruling
Learn how the Supreme Court's Alpha Plus ruling clarifies the one-year prescription period for insurance claims and why timing matters.
Disclosure in Fire Insurance Policies: Avoiding Forfeiture Under the Other Insurance Clause
A fire insurance claim can be forfeited for failing to disclose other policies covering the same property. Learn the rules.
Navigating Beneficiary Designation in Life Insurance: A Guide for Policyholders
A Supreme Court ruling clarifies when beneficiary changes in life insurance take effect, and why insurer internal rules cannot override policy terms.
Navigating Tax Assessments: The Validity of Letters of Authority in the Philippines
Learn when a BIR Letter of Authority becomes invalid, the 30-day and 120-day rules, and how the Supreme Court ruled in AFP General Insurance.
Insurance Proceeds and Lease Agreements: Key Lessons from a Landmark Philippine Supreme Court Case
A Supreme Court ruling clarifies how insurance proceeds are treated when a lease is preterminated, and when COA may disallow government expenditures.
When Corporate Veil Piercing Fails: Renewal Commissions After Agent Termination
Philippine Supreme Court clarifies when a terminated insurance agent can claim commissions and when the alter ego doctrine applies to affiliated companies.
Implied Repeal and Administrative Regulations: The CTPL Insurance Case
The Supreme Court explains when a new administrative regulation impliedly repeals an earlier one, using the CTPL insurance integration case as an example.
Compulsory Insurance for OFWs: When Agency-Hired Coverage Applies
The Supreme Court clarifies when overseas Filipino workers are covered by compulsory insurance, and what happens when contracts are renewed.
Maritime Liability in Vessel Collisions: Fault, Insurance Claims, and the Code of Commerce
When vessels collide, determining liability depends on the cause of action—contract or tort. The Supreme Court clarifies the governing rules.
Customs Brokers and Cargo Damage Claims: Liability, Insurance, and Subrogation
The Supreme Court clarifies when customs brokers are liable for damaged cargo and why insurers must present the insurance policy to claim subrogation.
PDIC Deposit Insurance Disputes: Court of Appeals Has Exclusive Jurisdiction
The Supreme Court clarifies that petitions questioning PDIC denials of deposit insurance claims must be filed with the Court of Appeals, not the RTC.
PDIC Deposit Insurance Denials: Court of Appeals Holds Exclusive Certiorari Jurisdiction
Supreme Court clarifies that PDIC deposit insurance claim denials must be challenged via certiorari before the Court of Appeals, not the RTC.
Where to Appeal PDIC Denials: The Rule on Jurisdiction After RA 10846
A denied deposit insurance claim must be challenged via certiorari before the Court of Appeals, not the RTC. This case explains the rule.