Practice question
A covered loss is caused by ordinary negligence of the insured, with no willful act, connivance or applicable exclusion. The insurer says section 89 automatically exonerates it whenever negligence is involved. Which answer is best?
- Section 89 does not exonerate the insurer merely for the insured's negligence; it separately addresses willful acts and connivance.
- All negligence is necessarily a willful act.
- Any insured mistake automatically voids all coverage.
- Only the insured's age determines liability.
- No insurance can cover any accidental loss.
Legal references
- Insurance Code, as amended by RA 10607, sections 85–94, https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html
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