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URF Day 1

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URF Day 1

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URF Day 1
 

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URF Day 1Version en ligne

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par SANTOS, Juan Paulo A.
1

. Every person has an insurable interest in the life and health :

( a ) Of , of his and of his children ;

( b ) Of any person on whom depends wholly or in part for education or support , or in whom he has a pecuniary interest ;

( c ) Of any person under a legal obligation to him for the payment of money , or respecting property or services , of which death or illness might delay or prevent the performance ; an d

2

Section 18 . No contract or policy of insurance on property shall be except for the benefit of some person having an insurable interest in the property insured .

3

. A transfer of interest by one of several partners , owners , or owners in common , who are insured , to the others , does not avoid an insurance even though it has been agreed that the insurance shall cease upon an alienation of the thing insured .

4

Section 31 . is to be determined not by the , but solely by the probable and influence of the facts upon the party to whom the communication is due , in forming his estimate of the disadvantages of the proposed contract , or in making his inquirie s

5

Section 43 . When a person insured has no knowledge of a fact , he may nevertheless repeat information which he has upon the subject , and which he believes to be , with the explanation that he does so on the information of others ; or he may submit the information , in its whole extent , to the insurer ; and in neither case is he for its truth , unless it proceeds from an agent of the insured , whose duty it is to give the information .

6

Section 50 . The policy shall be in form which may contain blank spaces ; and any word , phrase , clause , mark , , symbol , signature , number , or word necessary to complete the contract of insurance shall be on the blank spaces provided therein .

7

Section 54 . When an insurance contract is executed with an or trustee as the insured , the fact that his principal or beneficiary is the real party in interest may be by describing the as or trustee , or by other general words in the policy .

8

Section 60 . An is one in which the value of the thing insured is not agreed upon , and the amount of the merely represents the insurer ? s maximum liability . The value of such thing insured shall be ascertained at the time of the loss .

9

Section 70 . prejudice to , every express warranty , made at or before the execution of a policy , must be contained in the policy itself , or in another instrument signed by the insured and referred to in the policy as making a part of it .

10

Section 77 . An is entitled to payment of the premium as soon as the thing insured is exposed to the peril insured against . Notwithstanding any agreement to the contrary , no policy or contract of insurance issued by an insurance company is valid and binding unless and until the premium thereof has been paid , except in the case of a life or an industrial life policy whenever the grace period provision applies , or whenever under the broker and agency agreements with duly licensed intermediaries , a ninety ( ) - day credit extension is given . No credit extension to a duly licensed should exceed ninety ( 90 ) days from date of issuance of the policy .

11

Section 83 . In case of an insurance by insurers other than life , the insured is entitled to a ratable return of the , proportioned to the amount by which the aggregate sum insured in all the policies exceeds the insurable value of the thing at risk .

12

Section 87 . An insurer is where the thing insured is rescued from a peril against that would otherwise have caused a loss , if , in the course of such rescue , the thing is to a peril not insured against , which permanently deprives the of its possession , in whole or in part ; or where a loss is caused by efforts to rescue the thing insured from a peril insured against .

13

Section 90 . In case of upon an insurance against fire , an insurer is , if written notice thereof be not given to him by an insured , or some entitled to the benefit of the insurance , without unnecessary delay . For other non - life insurance , the Commissioner may specify the period for the submission of the notice of loss .

14

Section 96 . Where the insured in a other than life is over insured by double insurance :

( a ) The , unless the policy otherwise provides , may claim payment from the insurers in such order as he may select , up to the amount for which the insurers are severally liable under their respective contracts ;

( b ) Where the policy under which the is a valued policy , any sum received by him under any other policy shall be deducted from the value of the policy without regard to the actual value of the subject matter insured ;

15

Section 98 . Where an obtains reinsurance , except under automatic reinsurance treaties , he must all the representations of the original insured , and also all the knowledge and information he possesses , whether previously or subsequently acquired , which are to the risk .

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