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The petitioner imported lactose crystals that were insured by the respondent insurance company against all risks. Upon arrival, 403 out of 600 bags were found to be in bad order with spillage and loss valued at over 33,000 pesos. The insurance company denied the claim, alleging either the spillage occurred during transit due to failure to minimize loss or the bags were already in bad order. The court ruled in favor of the petitioner, finding that an "all risks" policy insures against all conceivable losses

Author

Sopongco Coleen

Language

EN