Practice question
The insurer’s agent makes a misrepresentation establishing the Section 82 refund ground. The insurer says agency conduct can never count because only its board personally matters. Which is best?
- Agent conduct is expressly excluded in all cases
- Every agent is a stranger regardless of authority
- Only a private donor may request repayment
- The premium becomes a public tax
- The section expressly includes the insurer’s agent
Legal references
- Insurance Code as amended by RA 10607: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html; Sections 82,84.
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