G.R. No. 179628 January 16, 2013 THE MANILA INSURANCE CM!AN", INC., !#$%$%on#r, &#r'u', S!USES R(ERT AN) AI)A AMURA, R#'*on+#n$'. !on#n$# J. )EL CASTILL -ACTS n Mar/ 7, 2000, '*ou'#' Ro#r$o an+ A%+a Aurao #n$#r#+ %n$o a Con'$ru$%on Con$ra Con$ra$$ Ar## Ar###n$ #n$ CCA4 CCA4 5%$/ 5%$/ A##an A##an Con'$ru Con'$ru$% $%on on an+ )#&#o* )#&#o*#n #n$$ Cor*or Cor*ora$% a$%on on A##an A##an44 or $/# on'$ru on'$ru$% $%on on o a '%'$ '%'$or#y or#y o#r o#r%a %a u%+% u%+%n. n. A##an A##an *o'$#+ *o'$#+ *#roran# on+' '#ur#+ y $/# *#$%$%on#r an+ In$ra S$ra$a A''uran# Cor*ora$%on $o uaran$## uaran$## %$' a%$/u a%$/u o*%an o*%an## 5%$/ $/# CCA. CCA. n No&##r No&##r 1:, 2001, r#'*on+# r#'*on+#n$ n$ '*ou'# '*ou'#'' %#+ %#+ 5%$/ 5%$/ $/# R#%on R#%ona a Tr%a Tr%a Cour$ Cour$ o ;u# o au'# o a$%on an+ a> o =ur%'+%$%on. T/# T/# R#% R#%on ona a Tr%a %a Cour Cour$$ +#n% +#n%#+ #+ o$/ o$/ o$% o$%on on a' 5# 5# a' $/#% $/#%rr o$% o$%on on or or r#on'%+#ra$%on. T/# a'# 5a' ##&a$#+ $o $/# Cour$ o A**#a' u$ r#n+#r#+ a +#%'%on +%'%''%n $/# *#$%$%on an+ ru#+ $/a$ $/# *r#'#n# o $/# ar%$ra$%on au'# %n $/# CCA +o#' no$ #r%$ a +%'%''a o $/# a'#, %$ %' ony 5/#n $/#r# ar# +%#r#n#' %n $/# %n$#r*r#$a$%on o Ar$%# Ar$%# I o $/# ar###n$ $/a$ $/# $/ # *ar$%#' an r#'or$ $o ar%$ra$%on. T/# *#$%$%on#r %n'%'$' $/a$ CIAC /a' $/# or%%na an+ #u'%&# =ur%'+%$%on o&#r on'$ru$%o on'$ru$%on n +%'*u$#' +%'*u$#' an+ $/# *ar$%#' ay r#'or$ #&#n $/# +%'*u$# +o#' no$ %n&o&# #r#y an %n$#r*r#$a$%on o $/# on$ra$ +ou#n$. n $/# o$/#r /an+, $/# r#'*on+#n$ aru#' $/a$ $/#r# %' no a%u%$y %n $/# Con'$ru$%on Con$ra$ an+ $/# *#$%$%on#r %' no$ a *ar$y $o $/# on$ra$, /#n#, %$ anno$ %n&o># ar%$ra$%on *ro##+%n'. H#n#, $/%' *#$%$%on.
ISSUES 1. ?/#$/#r or no$ $/# *#$%$%on#r an *ro*#ry %n&o># $/# =ur%'+%$%on o $/# Con'$ru$%on In+u'$ry Ar%$ra$%on Co%''%on $o r#'o&# $/# +%'*u$# %n $/%' a'#. 2. ?/#$/#r or no$ $/# our$ #rr#+ %n $r#a$%n *#$%$%on#r a' a 'o%+ary +#$or %n'$#a+ o a 'o%+ary uaran$or@ HEL) 1. "#'. Un+#r S#. o E#u$%&# r+#r E..4 No. 1008, o$/#r5%'# >no5n a' $/# Con'$ru$%on In+u'$ry Ar%$ra$%on La5, %n or+#r or $/# Con'$ru$%on In+u'$ry Ar%$ra$%on Co%''%on CIAC4 $o aBu%r# =ur%'+%$%on $5o r#Bu%'%$#' u'$ onur %r'$, $/# +%'*u$# u'$ # 'o#/o5 onn#$#+ $o a on'$ru$%on on$ra$ an+ '#on+, $/# *ar$%#' u'$ /a&# ar##+ $o 'u%$ $/# +%'*u$# $o ar%$ra$%on *ro##+%n'. In $/%' a'#, o$/ r#Bu%'%$#' ar# *r#'#n$. T/%' *ro&%'%on %' roa+ #nou/ $o o&#r any +%'*u$# ar%'%n ro, or onn#$#+ 5%$/ on'$ru$%on on$ra$', 5/#$/#r $/#'# %n&o&# #r# on$ra$ua on#y a%' or ##u$%on o $/# 5or>'. Un+#r $/# 'a%+ on'$ru$%on ar###n$, $/# *ar$%#' ar##+ $o 'u%$ $o ar%$ra$%on *ro##+%n' Dany +%'*u$# ar%'%n %n $/# our'# o $/# ##u$%on an+ *#roran# o $/# CCA y r#a'on o +%#r#n# %n %n$#r*r#$a$%on o $/# Con$ra$ )ou#n$' . . . 5/%/ $/# *ar$%#' ar# una# $o r#'o&# a%ay #$5##n $/#'#&#'.D T/# Su*r## Cour$ %n+' $/a$ $/# %''u# o 5/#$/#r r#'*on+#n$'*ou'#' ar# #n$%$#+ $o o#$ on $/# *#roran# on+ %''u#+ y *#$%$%on#r %' a +%'*u$# ar%'%n %n $/# our'# o $/# ##u$%on an+ *#roran# o $/# CCA y r#a'on o +%#r#n# %n $/# %n$#r*r#$a$%on o $/# on$ra$ +ou#n$' #au'# $/# a$$#r o a'#r$a%n%n $/# +u$%#' an+ o%a$%on' o $/# *ar$%#' un+#r $/#%r on$ra$ a %n&o&# %n$#r*r#$a$%on o $/# *ro&%'%on' o $/# on$ra$. 2. No, $/# a$ $/a$ *#$%$%on#r %' no$ a *ar$y $o $/# CCA anno$ r#o&# $/# +%'*u$# ro $/# =ur%'+%$%on o $/# CIAC #au'# $/# %''u# o 5/#$/#r r#'*on+#n$'*ou'#' ar# #n$%$#+ $o o#$ on $/# *#roran# on+ %' a +%'*u$# ar%'%n ro or onn#$#+ $o $/# CCA. T/# Su*r## Cour$ /#+ %n *r#&%ou' a'# $/a$ a$/ou/ no$ $/# on'$ru$%on on$ra$ %$'#, $/# *#roran# on+ %' +###+ a' an a''o%a$# o $/# a%n on'$ru$%on on$ra$ $/a$ %$ anno $ # '#*ara$#+ or '#&#r#+ ro %$' *r%n%*a. T/# !#roran# (on+ %' '%n%%an$y an+ 'u'$an$%ay onn#$#+ $o $/# on'$ru$%on on$ra$ $/a$ $/#r# an # no +ou$ %$ %' $/# CIAC, un+#r S#$%on o E.. No. 1008, 5/%/ /a' =ur%'+%$%on o&#r any +%'*u$# ar%'%n
ro or onn#$#+ 5%$/ %$. T/# =ur%'+%$%on o&#r $/# %n'$an$ a'# %#' 5%$/ $/# CIAC, an+ no$ 5%$/ $/# RTC. ?HERE-RE, $/# *#$%$%on %' /#r#y GRANTE).
