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.
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.
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.
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.
Insurance Subrogation: Establishing Insurer's Rights Against Third-Party Carriers
Philippine Supreme Court clarifies when insurers can recover from carriers via subrogation, and when presenting the insurance policy is required.
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.
Arrastre Contractor Liability: When the P3,500-Per-Package Limit Does Not Apply
Philippine Supreme Court ruling on when arrastre contractors cannot invoke the P3,500 per-package liability limit under PPA Administrative Order No. 10-81.
Health Care Agreements vs Insurance Contracts: The Incontestability Clause Explained
The Supreme Court ruled that health care agreements are insurance contracts, so the incontestability clause applies to HMOs.