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.
Premium Tax vs Cost of Service: Defining Minimum Corporate Income Tax
Supreme Court clarifies which taxes count as "cost of services" in computing MCIT for insurance companies, and when DST applies to policy increases.
Securities Deposit Immunity Protecting Policyholders Interests IN Insurance Contracts
Learn how the Supreme Court protects policyholders' interests through the securities deposit immunity rule in insurance contracts.
Insurance Claim Denied for Drunk Driver: Proving Intoxication in Philippine Law
Philippine Supreme Court ruling on when insurers may deny claims due to driver intoxication and the evidence required.
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.
Authorized Driver Clause and Police Blotters in Insurance Claims
When can an insurer deny a claim based on the authorized driver clause? The Supreme Court explains the evidentiary weight of police blotters.
Reforming Insurance Policies How Manifest Intent Prevails Over Technical Descriptions In Property Claims
A fire insurance dispute shows how courts prioritize the parties' true intent over technical misdescriptions in policies.