Ponente: CORTES, J.
Decision Date: 1989-08-16
GR Number: G.R. No. 82509
Digest Team
3 months ago
Avg. Rating:
Summary:
This case involves a dispute over the prescriptive period for filing a claim under an insurance policy. The petitioner, Country Bankers Insurance Corporation, paid a claim to Philippine Technical Consultants Inc. (PTCI) for damages to a Toyota Land Cruiser caused by a vehicular accident. The petitioner then sought reimbursement from the driver and owner of the other vehicle involved, as well as from the respondent, The Travellers Insurance and Surety Corp. The Regional Trial Court (RTC) ruled in favor of the petitioner, but the Court of Appeals (CA) dismissed the complaint on the ground that the petitioner's cause of action had prescribed. The Supreme Court reversed the CA's decision, holding that the cause of action had not prescribed.
Doctrine:
The Supreme Court held that the one-year prescriptive period under Section 384 of the Insurance Code should be counted not from the date of the accident, but from the date of the rejection of the claim by the insurer. This interpretation was based on the principle that a cause of action does not accrue until the party obligated refuses, expressly or impliedly, to comply with its duty. The Court also emphasized that insurance companies have a duty to adopt and implement reasonable standards for the prompt settlement of claims.
Facts:
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Issues Ratio:
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Dispositive:
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Other Notes:
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