Unformatted text preview: her in misrepresenting, or in
affirming, or concealing the authority under which he assumes to act.
DBP's liability however cannot be for the entire value for the insurance policy. Pineda v. CA, 226 SCRA 754 (1993) SUPAPO
Doctrine: In group insurance policies, the employer is the agent of the insurer.
Facts: (Principal: insular life; Acting Agent: Capt. Nuval of PMSI)
Prime Marine Services, Inc. (PMSI), procured Group PoIicy from Insular Life Assurance Co., Ltd. to provide
life insurance coverage to its seabased employees enrolled under their plan. During the effectivity of the
policy, 6 covered employees of the PMSI perished at sea when their vessel, M/V Nemos, a Greek cargo
vessel, sunk somewhere in El Jadida, Morocco. As such, Complainantsappellees sought to claim death
benefits due them. For this purpose, they approached the President and General Manager of PMSI, Capt.
Roberto Nuval. The latter evinced willingness to assist complainantsappellees to recover OWWA benefits
from the POEA and to work for the increase of their PANDIMAN and other benefits arising from the deaths of
their husbands/sons. They were thus made to execute, with the exception of the spouses Alarcon, special
powers of attorney authorizing Capt. Nuval to, among others, "follow up, ask, demand, collect and receive"
for their benefit indemnities of sums of money due them relative to the sinking of M/V Nemos. By virtue of
these written powers of attorney, complainantsappellees were able to receive their respective death
Unknown to them, however, the PMSI, in its capacity as employer and policyholder of the life insurance of
its deceased workers, filed with Insular Life formal claims for and in behalf of the beneficiaries, through its
President, Capt. Nuval. Among the documents submitted by the latter for the processing of the claims were
five special powers of attorney executed by complainantsappellees. On the basis of these and other
documents duly submitted, respondentappellant drew against its account with BPI six (6) checks, four f...
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This document was uploaded on 03/11/2014.
- Fall '14