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(1) Union Manufacturing Co. obtained loans from Republic Bank and took out a fire insurance policy with Philippine Guaranty Co. as required by the loan. (2) However, Union Manufacturing had already taken out other fire insurance policies on the properties without informing Philippine Guaranty Co. (3) When a fire occurred, Philippine Guaranty Co. denied the claim, citing the violation of the policy terms by not disclosing the other insurance policies. Under established case law, this violation of terms mea

Author

Man2x Salomon

Language

EN