Practice question
A materially false representation affects the insurer's reasonable underwriting assessment, but the eventual loss arises from a different cause. The insured argues that the different cause alone proves immateriality. Under Sections 31 and 46, what is correct?
- Later causation always decides materiality.
- Materiality uses the statutory risk-estimate or inquiry standard, not the event alone.
- All representations are irrelevant.
- Only the premium collector can decide materiality.
- Every different cause automatically waives rescission.
Legal references
- Insurance Code as amended by RA10607, Sections26–48 and95–100: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html
- Heirs of Monera v. Manila Bankers Life, GR246446, January28 2026, main decision: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/1/70461
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