JOHN ALEXANDER INSURANCE CASE DIGESTS POST-MTX PART I
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BELDEROL
ALLIED BANKING CORPORATION vs. LIM SIO WAN G.R. No. 133179 March 27, 2008 DOCTRINE: Proximate Cause (Note: NOT an INSURANCE case!)
Wan e!o"i#e $i#h !e#i#ioner %&&ie 'an(in) *or!ora#ion a mone+ mar(e# !&acemen# o -hFACTS: On November 14, 1983, Lim Sio Wan 1,12,97.3 or a #erm o 31 a+" #o ma#/re on ecember 1, 1983. On ecember , 1983, a !er"on c&aimin) #o be Lim Sio Wan ca&&e /! *ri"#ina So, an ocer o %&&ie, an in"#r/c#e #he &a##er #o !re#ermina#e Lim Sio Wan" mone+ mar(e# !&acemen#, #o i""/e a mana)er" mana)er" chec( re!re"en#in) #he !rocee" !rocee" o #he !&acemen#, an #o )ive #he chec( #o one eborah ee San#o" $ho $o/& !ic( /! #he chec(. San#o" arrive a# #he ban(, $hich i""/e Mana)er" *hec( or -h- 1,18,48.49, 1,18,48.49, re!re"en#in) #he !rocee" o Lim Sio Wan" Wan" mone+ mar(e# !&acemen#. Sai mana)er" chec( $a" e!o"i#e in #he acco/n# o 5i&i!ina" *emen# *or!ora#ion a# Me#ro!o&i#an 'an( an 6r/"# 6r/"# *o. $i#h #he or)e "i)na#/re "i)na#/re o Lim Sio Wan a" inor"er inor"er. !on #he ma#/ri#+ a#e o #he mone+ mar(e# !&acemen#, !&acemen#, Lim Sio Wan $en# #o %&&ie #o $i#hra$ i#. She $a" #hen inorme #ha# #he !&acemen# ha been !re#ermina#e !re#ermina#e /!on her in"#r/c#ion". She enie )ivin) an+ in"#r/c#ion" an receivin) #he !rocee" #hereo. She e"i"#e rom /r#her com!&ain#" $hen "he $a" a""/re b+ #he ban(" mana)er #ha# her mone+ $o/& be recovere. On an/ar+ 24, 1984, Lim Sio Wan, rea&iin) #ha# #he !romi"e #ha# her mone+ $o/& be recovere $o/& no# ma#eria&ie, "en# a eman &e##er #o %&&ie a"(in) or #he !a+men# o #he r"# !&acemen#. %&&ie re/"e re/"e #o !a+ Lim Sio Wan, c&aimin) c&aimin) #ha# #he &a##er ha a/#horie #he !re#ermina#ion o #he !&acemen# an i#" "/b"e;/en# re&ea"e #o San#o". *on"e;/en#&+, Lim Sio Wan &e $i#h #he R6* a *om!&ain# a#e 5ebr/ar+ 13, 1984 a)ain"# %&&ie #o recover #he !rocee" o her r"# mone+ mar(e# !&acemen#. %&&ie c&aim" #ha# Me#roban( i" #he !ro
Proximate e cause is "that cause, hich, in natura natura an continuous continuous se#uence, se#uence, un$ro%en un$ro%en $& an& RULING: ?e". ?e". Proximat e'cient interenin cause, *rouces the in+ur& an ithout hich the resut ou not hae occurre" Thus, there is an efcient efcient superveni supervening ng event event i the event breaks breaks the sequenc sequence e leading leading rom the cause to the ultimate ultimate result. result. To determin determine e the proximate cause o a controversy, controversy, the question that that needs to be asked is: is: I the event event did not happen, happen, would would the inury inury have resulted! resulted! I the answer is "#, then the event is the proximate cause. =n #he in"#an# ca"e, #he #ria& co/r# correc#&+ o/n %&&ie ne)&i)en# in i""/in) #he mana)er" chec( an in #ran"mi##in) i# #o San#o" $i#ho/# even a $ri##en a/#horia#ion. =n ac#, %&&ie i no# even a"( or #he cer#ica#e eviencin) #he mone+ mar(e# !&acemen# or ca&& /! Lim Sio Wan a# her re"ience or oce #o conrm her in"#r/c#ion". 'o#h ac#ion" co/& have !reven#e #he $ho&e ra//&en# #ran"ac#ion rom /no&in). %&&ie" ne)&i)ence m/"# be con"iere a" #he !ro
%" a "!ecia& een"e, eenan# a&&e)e #ha# C#he !o&ic+ o in"/rance i no# cover an+ &o"" or ama)e occa"ione b+ e RULING: =n #he ab"ence o !roo, NO. 6he rea& ca/"e o #he re i" more or &e"" a ma##er o conAec#/re, /!on $hich #here i" &i##&e, i an+, evience. 6here i" no evience a" #o $he#her #he re $a" "#ar#e beore or a#er #he e
Sec#ion o #he !o&ic+ e
Wi#h re"!ec# #o #he in"/rance /!on #hi" "#oc( a# #he #ime o #he re, #he o&&o$in) ac#" a!!ear: =n #he mon#h o /ne !receein) #he re, nine !o&icie" a))re)a#in) -10,000 $ere #a(en o/# b+ -ra#" in #he name o Danna, 'eAar E *o. on merchani"e "#ore a# 9 -&aa Garenia. %# #he #ime #he"e !o&icie" $ere #a(en o/# #he va&/a#ion o #he )oo" #hen in "ai "#ore co/& no# have been more #han -8,73. 6o#a& 6o#a& in"/rance o -410,000 $ere on #he con#en#" o #he "#ore a# 9 -&aa Garenia. Garenia. %# #he #ime, accorin) #o -ra#" him"e&, #he eva&/a#ion o #he merchani"e #hen in #he !&ace $a" no# in e
eci"ion %55=RM@. EAST FURNITURE INC. vs. GLOBE & RUTGERS FIRE INSURANCE CO. OF NEW YORK G.R. No. L3848, G.R. No. L3849, an G.R. No. L380 November 22, 1932 DOCTRINE: /OSS $& 3I//4U/ ACT or CONNI5ANCE $& INSURE1 FACTS: On March 2, 1929, a re bro(e bro(e o/# in !&ain#iB" !&ain#iB" e"#ab&i"hme e"#ab&i"hmen#, n#, a" a re"/&# o $hich #he in"/re in"/re ar#ic&e" #herein #herein o/n $ere e"#ro+e b+ #he re, $i#hin #he !erio mar(e in #he !o&icie" #he !&ain#iB !re"en#e #o #he in"/rance com!anie" an inven#or+ o #he in"/re /rni#/re $hich $a" e"#ro+e b+ #he re, #he va&/e o $hich, beore or a# #he #ime o #he re, amo/n#e #o -2,01.99. 6hree ac#ion" $ere in"#i#/#e in #he *o/r# o 5ir"# 5ir"# =n"#ance o Mani&a on March 2, 1929, #o recover recover #he /&& amo/n# o #hree re in"/rance !o&ice a))re)a#in) -20,000.
6he eenan#" in#er!o"e in#er!o"e a )enera& enia& an a" "!ecia& een"e" a&&e)e in "/b"#ance H1I #ha# #he re in ;/e"#ion $a" o in#en#iona& ori)inJ an H2I #ha# #he c&aim" o &o"" !re"en#e b+ #he !&ain#iB $ere a&"e an ra//&en#. %#er #he #ria&, #he &o$er co/r# o/n #ha# #he c&aim" !re"en#e b+ #he !&ain#iB $ere no#orio/"&+ ra//&en#, an, accorin)&+, "/"#aine eenan#" "econ "!ecia& een"e an i"mi""e #he com!&ain# in each o #he #hree ca"e", $i#h co"#" a)ain"# #he !&ain#iB. ISSUE: Sho/& #he "!ecia& een"e o nonrecover+ on #he !o&ic+ /e #o $i&/& ac#" o #he in"/re be "/"#aine> RULING: ?e". ?e". =# a!!ear" rom rom #he recor recor #ha# a# #he #ime o #he re #he !&ain#iB !&ain#iB $a" heavi&+ heavi&+ ineb#e #o #he Mani&a Mani&a 5inance 5inance E i"co/n# *or!ora#ion, #o #he 'an( o #he -hi&i!!ine ="&an", an #o %##orne+ %&on"o @. Menoa. 6hi" #h/" &e #o #he conc&/"ion #ha# eenan#" r"# "!ecia& een"e i" $e&& o/ne K #ha# #he re in ;/e"#ion $a" o in#en#iona& ori)in an $a" ca/"e $i#h #he connivance o #he !&ain#iB. Nei#her #he in#ere"# o #he A/"#ice nor !/b&ic !o&ic+ $o/& be !romo#e b+ an omi""ion o #he co/r#" #o e
*oni#ion 12 o each o #he in"/rance !o&icie" "/e /!on !rovie" #ha# Ci #he c&aim be in an+ re"!ec# ra//&en#, or i an+ a&"e ec&ara#ion be mae or /"e in "/!!or# #hereo, or i an+ ra//&en# mean" or evice" are /"e b+ #he =n"/re or an+one ac#in) on hi" beha& #o ob#ain an+ bene# /ner #hi" !o&ic+J or, i #he &o"" or ama)e be occa"ione b+ #he $i&/& ac#, or $i#h #he connivance o #he =n"/re, K a&& bene# /ner #hi" !o&ic+ "ha&& be orei#e.C /)men# a!!ea&e a!!ea&e rom rom %55=RM@. %55=RM@. FGU INSURANCE CORPORATION vs. CA G.R. No. 13777 an G.R. No. 140704 March 31, 200 DOCTRINE: /OSS cause $& NE6/I6ENCE o. the INSURE1 FACTS: %nco @n#er!ri"e" *om!an+, a !ar#ner"hi! be#$een %n) G/i an *o 6o, o$ne #he M6 %N*O #/)boa# an #he ' L/cio bar)e $hich $ere o!era#e o!era#e a" common carrier". On 23 Se!#ember 1979, San Mi)/e& *or!ora#ion *or!ora#ion HSM*I "hi!!e rom Mana/e *i#+, *i#+, *eb/, on boar #he ' L/cio, or #o$a)e b+ M6 %N*O, cer#ain car)oe". 6he ' L/cio $a" #o$e b+ #he M6 %N*O a&& #he $a+ rom Mana/e *i#+ #o San o"e, %n#i;/e. When #he bar)e an #/)boa# arrive a# San o"e, %n#i;/e, in #he a#ernoon o 30 Se!#ember 1979, #he c&o/" over #he area $ere ar( an #he $ave" $ere a&rea+ bi). SM*" i"#ric# Sa&e" S/!ervi"or, 5ernano Macab/a), re;/e"#e %N*O" re!re"en#a#ive #o #ran"er #he bar)e #o a "aer !&ace beca/"e #he ve""e& mi)h# no# be ab&e #o $i#h"#an #he bi) $ave". %N*O" re!re"en#a#ive re!re"en#a#ive i no# hee #he re;/e"# beca/"e he $a" conen# conen# #ha# #he bar)e co/& $i#h"#an #he $ave". %# abo/# #en #o e&even oc&oc( in #he evenin) o 01 Oc#ober 1979, #he cre$ o ' L/cio abanone #he ve""e& beca/"e #he bar)e" ro!e a##ache a##ache #o #he $har $a" c/# oB b+ #he bi) $ave". %# aro/n mini)h#, mini)h#, #he bar)e r/n a)ro/n an $a" bro(en bro(en an #he car)oe" o beer in #he bar)e $ere "$e!# " $e!# a$a+.
%" a con"e;/ence o #he incien#, SM* &e a com!&ain# or 'reach o *on#rac# o *arria)e an ama)e" a)ain"# %N*O. %N*O, in #/rn, im!&eae in"/rer in"/rer o car)o 5G. %ccorin) %ccorin) #o %N*O, #he &o"" o "ai car)oe" occ/rre occ/rre a" a re"/&# o ri"(" in"/re a)ain"# in #he in"/rance !o&ic+ an /rin) #he e RULING: ?e". ?e". One o #he !/r!o"e" !/r!o"e" or #a(in) o/# in"/rance i" #o !ro#ec# !ro#ec# #he in"/re a)ain"# #he con"e;/ence" con"e;/ence" o hi" o$n ne)&i)ence ne)&i)ence an #ha# o hi" a)en#". 6h/", i# i" a ba"ic r/&e in in"/rance #ha# #he care&e""ne"" care&e""ne"" an ne)&i)ence ne)&i)ence o #he in"/re or hi" a)en#" con"#i#/#e no een"e on #he !ar# o #he in"/rer. 6hi" r/&e ho$ever !re"/!!o"e" #ha# #he &o"" ha" occ/rre /e #o ca/"e" $hich co/& no# have been !reven#e b+ #he in"/re, e"!i#e #he e
6he ;/e"#ion ;/e"#ion no$ i" $he#her #here i" a cer#ain cer#ain e)ree o ne)&i)ence ne)&i)ence on #he !ar# o #he in"/re in"/re or hi" a)en#" #ha# $i&& $i&& e!rive him #he ri)h# #o recover recover /ner #he in"/rance in"/rance con#rac#. con#rac#. We "a+ #here #here i". Do$ever, Do$ever, #o $ha# e<#en# "/ch ne)&i)ence ne)&i)ence m/"# )o in orer orer #o e
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