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.
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.
Subrogation and Carrier Liability in Maritime Claims: The C.V. Gaspar Case
How the Supreme Court applied subrogation and extraordinary diligence to hold carriers liable for damaged cargo in maritime transport.
Burden of Proof in Insurance Claims: Insurers Must Prove Policy Exclusions Apply
When an insurer denies a claim citing a policy exclusion, Philippine law requires the insurer to prove the exception applies—mere suspicion is not enough.