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.
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.
Hotel Liability for Lost Vehicles: Necessary Deposits Under Philippine Law
When a hotel valet loses a guest's vehicle, who pays? Philippine law on necessary deposits and the Durban Apartments ruling explain.
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.
Common Carrier Liability: Negligence and Fortuitous Events in Cargo Loss
When cargo is lost at sea, who pays? Philippine law on common carriers, negligence, and the act of God defense explained.
Rent-a-Car Liability in the Philippines: When Is the Owner Liable for Lessee’s Negligence?
Philippine Supreme Court ruling on when rent-a-car companies are liable for lessee negligence under quasi-delict and vicarious liability rules.