Philippine Bar review · Question

Practice question: Double Insurance and Overinsurance

Multiple Choice Hard

Practice question

A policy validly provides a particular payment arrangement. The insured invokes Section 96(a) as an unqualified right to ignore all such terms. Which textual qualification matters?
  1. The statute expressly forbids any policy qualification
  2. The order-selection rule applies unless the policy otherwise provides
  3. Only the insured’s preferred order can ever apply
  4. Every policy term disappears upon double insurance
  5. Only the broker’s birthday determines priority

Legal references

  • Insurance Code as amended by RA 10607: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html; Sections 83,96(a)-(c).

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