7/23/2019 Digested Case on Insurance Case Allegre 12 and 21
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DIGESTED CASE ON INSURANCE CASE # 12 AND # 21
Perla Compania De Seguros Inc. pe!i!ioner"Sonora$le Cour! o%
Appeals an& 'ilagros Ca(as respon&en!s
GR No. )**+, 'a( 2* 1--,
ernan C./
Pe!i!ion %or Re0ie on Cer!iorari
ACTS
Pri0a!e respon&en! 'ilagros Ca(as is !3e oner o% a $us 3ic3
insure& i!3
pe!i!ioner 3ic3 in0ol0e& in acci&en! in4uring se0eral o%
i!s passengers. 53ile !3e
!3ree in4ure& passengers agree& %or an amica$le
se!!lemen! %or P3p 6,,,.,,
pe!i!ioner pai& an& se!!le& !3em i!3ou! no!i%(ing
!3e insurance compan( $u! 'r.
Perea pursues i!s case. Pri0a!e respon&en! !3en sue&
pe!i!ioner %or insurance claim
un&er !3e con!rac! %or !3e amoun! o% ac!ual &amage o%
P3p 7,,,,.,, moral
&amage o% P3p 7,,,.,, an& a!!orne(8s %ee o% P3p 7,,,.,,
!3e cour! a 9uo
sus!aine& !3e claim e:cep! %or moral &amage.
ISSUES
Is !3e insurance compan(8s lia$ili!( onl( up !o !3e amoun! o%
P3p 12,,,.,, asem$o&ie& in !3e con!rac!;
Is !3e insurance compan( lia$le !o !3e o!3er 0ic!ims !3e
insure& pai& !3e claims o%
eac3 i!3ou! no!i%(ing !3e insurance;
E:e&
$( la !3en pre0ailing sec!ion ?)) o% PD # +12 as re!aine& $(
PD # 16+, !3e
Insurance Co&e o% !3e P3ilippines.
No. T3e con&i!ion re9uiring 3er !o secure !3e ri!!en
permission o% pe!i!ioner $e%ore
e@ec!ing an( pa(men! in se!!lemen! o% an( claim is 0ali&
an& $in&ing upon pri0a!e
7/23/2019 Digested Case on Insurance Case Allegre 12 and 21
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respon&en!. T3ere is no!3ing unreasona$le ar$i!rar( or
o$4ec!iona$le in !3is
s!ipula!ion as oul& arran! i!s nulli>ca!ion. T3e same
oul& o$0iousl( &esign !o
sa%eguar& !3e insurer8s in!eres! agains! collusion $e!een
!3e insure& an& !3e
claiman!s.
DISPOSITI"E PORTION
5EREORE !3e &ecision o% !3e Cour! o% Appeals is 3ere$(
mo&i>e& in !3a!
pe!i!ioner s3all pa( 'ilagros Ca(as !3e amoun! o% Tel0e
T3ousan& Pesos P12,,,.
,,B plus legal in!eres! %rom !3e promulga!ion o% !3e
&ecision o% !3e loer cour! un!il
i! is %ull( pai& an& a!!orne(s %ees in !3e amoun! o%
P7,,,.,,. No pronouncemen! as
!o cos!s.
SO ORDERED.
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no per%ec!e& con!rac! o% insuranceH 3ence !3e DP 'RI Pool
canno! $e 3el& lia$le
on a con!rac! !3a! &oes no! e:is!.
DISPOSITI"E PORTION5EREORE !3e &ecision o% !3e Cour! o%
Appeals in CA G.R.FC"
No. 2+6?6 is 'ODIIED an& pe!i!ioner DP is ORDERED 1B !o
REI'URSErespon&en! Es!a!e o% /uan . Dans !3e amoun! o% P16)+.,,
i!3 legal in!eres! %rom
!3e &a!e o% !3e >ling o% !3e complain! un!il %ull(
pai&H an& 2B !o PA= sai& Es!a!e !3e
amoun! o% i%!( T3ousan& Pesos P7,,,,.,,B as moral
&amages an& !3e amoun! o%
Ten T3ousan& Pesos P1,,,,.,,B as a!!orne(s %ees. 5i!3 cos!s
agains! pe!i!ioner.
