Persons Entitled to Recover Under the Policy R !o. "88#8 $ate% !ovem&er '#( ')88 *onente% PADILLA, J. HON. UD!E, RE!IONAL "RIAL #OUR" OF OLON!APO #I"$, %RAN#H &', (nd MA)A"I INSURAN#E #OMPAN$, IN#., respondents Case $octrine% In the event th(t the in*+red (ils or re+ses to incl+de the ins+rer (s p(rty deend(nt in his cl(i- or inde-nity ((inst the ins+red, the l(tter is not prevented /y l(0 to (v(il o the proced+r(l r+les intended to (void -+ltiplicity o s+its. Not even ( 1no (ction1 cl(+se +nder the policy2 0hich re3+ires th(t ( 4n(l *+d-ent /e 4rst o/t(ined ((inst the ins+red (nd th(t only there(ter c(n the person ins+red recover on the policy c(n prev(il over the R+les o #o+rt provisions (i-ed (t (voidin -+ltiplicity o s+its. +,CTS 5. Petitioner Sher-(n Sh(er o/t(ined ( priv(te c(r policy over his F ord L(ser c(r ro- M(6(ti Ins+r(nce #o-p(ny, Inc., or third p(rty li(/ility 7"PL8. D+rin the e9ectivity o the policy, (n inor-(tion or rec6less i-pr+dence res+ltin in d(-(e to property (nd serio+s physic(l in*+ries 0(s 4led ((inst petitioner. :. "he o0ner o the d(-( ed ;ol6s0(en c(r 4led ( sep(r(te civil (ction ((inst petitioner or d(-(es. <. "he co+rt ( 3+o iss+ed (n order dis-issin the third p(rty co-pl(int on the ro+nd th(t it 0(s pre-(t+re, /(sed on the pre-ise th(t +nless the (cc+sed 7herein petitioner8 is o+nd +ilty (nd sentenced to p(y the o9ended p(rty inde-nity or d(-(es, the third p(rty co-pl(int is 0itho+t c(+se o (ction. "he co+rt +rther st(ted th(t the /etter proced+re is or the (cc+sed 7petitioner8 to 0(it or the o+tco-e o the cri-in(l (spect o the c(se to deter-ine 0hether or not the (cc+sed, (lso the third p(rty pl(inti9, h(s ( c(+se o (ction ((inst the third p(rty deend(nt or the enorce-ent o its third p(rty li(/ility 7"PL8 +nder the ins+r(nce contr(ct. ISS-/S =>N the (cc+sed in ( cri-in(l (ction or rec6less i-pr+dence, 0here the civil (ction is *ointly prosec+ted, c(n le(lly i-ple(d the ins+r(nce co-p(ny (s third p(rty deend(nt +nder its priv(te c(r ins+r(nce policy. ? $ES. RSO0-TIO! In the inst(nt c(se, the co+rt ( 3+o er red in dis-issin petitioner@s third p(rty co-pl(int on the ro+nd th(t petitioner h(d no c(+se o (ction yet ((inst the ins+r(nce co-p(ny 7third p(rty deend(nt8. "here is no need on the p(rt o the ins+red to 0(it or the decision o the tri(l co+rt 4ndin hi- +ilty o rec6less i-pr+dence. "he occ+rrence o the in*+ry to the third p(rty i--edi(tely (ve rise to the li(/ility o the ins+rer +nder its policy. A third p(rty co-pl(int is ( device (llo0ed /y the r+les o proced+re /y 0hich the deend(nt c(n /rin into the oriin(l s+it ( p(rty ((inst 0ho- he 0ill h(ve ( cl(i- or inde-nity or re-+ner(tion (s ( res+lt o ( li(/ility est(/lished ((inst hi- in the oriin(l s+it. "hird p(rty co-pl(ints (re (llo0ed to -ini-ie the n+-/er o l(0s+its (nd (void the necessity o /rinin t0o 7:8 or -ore (ctions involvin the s(-e s+/*ect -(tter. "hey (re predic(ted on the need or eBpediency (nd the (void(nce o +nnecess(ry l(0s+its. I it (ppe(rs pro/(/le th(t ( second (ction 0ill res+lt i the pl(inti9 prev(ils, (nd
Insurance Title 38_Sherman Shaper vs. Hon. Judge RTC of Olongapo SHERMAN SHAFER, petitioner
th(t this res+lt c(n /e (voided /y (llo0in the third p(rty co-pl(int to re-(in, then the -otion to dis-iss the third p(rty co-pl(int sho+ld /e denied. R-0I! =HEREFORE, the inst(nt petition is !RAN"ED. "he 3+estioned order d(ted :C April 5& is SE" ASIDE (nd ( ne0 one entered (d-ittin petitioner@s third p(rty co-pl(int ((inst the priv(te respondent M(6(ti Ins+r(nce #o-p(ny, Inc. 1S 12'4'" 5,0+,RO6
