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.
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.
Non-Payment of Premium and Insurance Coverage Validity: The Gaisano Case
When is an insurance policy valid? The Supreme Court clarifies that non-payment of premium before loss means no coverage.