Practice question
An insured exercises reasonable diligence to obtain a policy-required third-person certificate but the person refuses. Explain section 94's alternative and why the insured should document the basis of refusal rather than merely assert that the certificate is unavailable.
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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