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Perez v. CA- Perfection of the Contract of Insurance

323 SCRA 613 (2000)

Facts

! Pri"itivo Perez ha# $een insure# %ith the &F 'ife"an Insurance Cororation

since 1*0 for P20+000.00.

! In ,cto$er 1*+ an aent of 'ife"an+ Ro#o/fo 'a/o+ visite# Perez in uezon an#

convince# hi" to a/ for a##itiona/ insurance coverae of P0+000.00+ to avai/ of 

the onoin ro"otiona/ #iscount of P00.00 if the re"iu" %ere ai# annua//.

! Pri"itivo &. Perez acco"/ishe# an a/ication for" for the a##itiona/ insurance

coverae. 4irinia A. Perez+ his %ife+ ai# P2+0.00 to 'a/o. 5he receit issue# $

'a/o in#icate# the a"ount receive# %as a #eosit.

! 7nfortunate/+ 'a/o /ost the a/ication for" acco"/ishe# $ Perez an# so on

,cto$er 2*+ 1*+ he as8e# the /atter to 9// u another a/ication for". ,n

:ove"$er 1+ 1*+ Perez %as "a#e to un#ero the re;uire# "e#ica/ eani/a o=ce.

! ,n :ove"$er 2+ 1*+ Perez #ie# %hi/e he %as ri#in a $anca %hich casize#

#urin a stor".

! At the ti"e of his #eath+ his a/ication aers for the a##itiona/ insurance %ere

sti// %ith the uezon o=ce. 'a/o testi9e# that %hen he %ent to fo//o% u the

aers+ he foun# the" sti// in the uezon o=ce an# so he ersona// $rouht the

aers to the >ani/a o=ce of &F 'ife"an Insurance Cororation. It %as on/ on

:ove"$er 2+ 1* that sai# aers %ere receive# in >ani/a.

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! ?ithout 8no%in that Perez #ie# on :ove"$er 2+ 1*+ &F 'ife"an Insurance

Cororation arove# the a/ication an# issue# the correson#in o/ic for the

P0+000.00 on @ece"$er 2+ 1*

! 4irinia %ent to >ani/a to c/ai" the $ene9ts un#er the insurance o/icies of the

#ecease#. She %as ai# P0+000.00 un#er the 9rst insurance o/ic for P20+000.00

(#ou$/e in#e"nit in case of acci#ent) $ut the insurance co"an refuse# to a

the c/ai" un#er the a##itiona/ o/ic coverae of P0+000.00+ the rocee#s of %hich

a"ount to P10+000.00 in vie% of a tri/e in#e"nit ri#er on the insurance o/ic.

! In its /etter of anuar 2+ 1** to 4irinia A. Perez+ the insurance co"an

"aintaine# that the insurance for P0+000.00 ha# not $een erfecte# at the ti"e of the #eath of Pri"itivo Perez. Conse;uent/+ the insurance co"an refun#e# the

a"ount of P2+0.00 %hich 4irinia Perez ha# ai#

! 'ife"an 9/e# for the rescission an# the #ec/aration of nu//it. Perez+ on the other

han#+ averre# that the #ecease# ha# fu/9//e# a// his restations un#er the contract

an# a// the e/e"ents of a va/i# contract are resent.

! R5C ru/e# in favor of Perez. CA reverse#.

Issue

?hether or not there %as a erfecte# a##itiona/ insurance contract.

Be/#

 5he contract %as not erfecte#.

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Insurance is a contract %here$+ for a stiu/ate# consi#eration+ one art

un#erta8es to co"ensate the other for /oss on a seci9e# su$ect $ seci9e#

eri/s. A contract+ on the other han#+ is a "eetin of the "in#s $et%een t%o

ersons %here$ one $in#s hi"se/f+ %ith resect to the other to ive so"ethin orto ren#er so"e service.

Consent "ust $e "anifeste# $ the "eetin of the oDer an# the accetance uon

the thin an# the cause %hich are to constitute the contract. 5he oDer "ust $e

certain an# the accetance a$so/ute. ?hen Pri"itivo 9/e# an a/ication for

insurance+ ai# P2+0.00 an# su$"itte# the resu/ts of his "e#ica/ e

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It is not #isute#+ ho%ever+ that %hen Pri"itivo #ie# on :ove"$er 2+ 1*+ his

a/ication aers for a##itiona/ insurance coverae %ere sti// %ith the $ranch o=ce

of reson#ent cororation in u"aca an# it %as on/ t%o #as /ater+ or on

:ove"$er 2+ 1*+ %hen 'a/o ersona// #e/ivere# the a/ication aers to the

hea# o=ce in >ani/a. Conse;uent/+ there %as a$so/ute/ no %a the accetance of 

the a/ication cou/# have $een co""unicate# to the a/icant for the /atter toaccet inas"uch as the a/icant at the ti"e %as a/rea# #ea#.