I'm Giancarlo Enrico S. Pozon, a Wushu instructor, investor and Barrister... That's right, Barrister; I graduated from law school and took the Bar Exams, now I'm waiting for the results. I created this blog to make Philippine Law easy to understand for the average person. It's all about free legal advice. There are many law blogs. But the problem is that many of them are written for lawyers and law students. They use words that can't be understood by ordinary people.
Many lawyers, judges and law students consider themselves as superior to most human beings because of their knowledge of the law. It bothers me since the law is supposed to serve society. Since the law is meant to serve society as a whole, it is important that is must be understood by everybody.
This does not mean that we should all become lawyers. It means that although law is a highly specialized profession, the first duty of everybody in this profession is to make the law understandable to all; that's why all these articles are free legal advice.
Like I said, this blog is about law -but it's for the ordinary people, not the lawyers. It's for the ordinary folk so they will know what is good and bad for them, and that making them aware of the law will help us all improve society as a whole. This is free legal advice for everybody!
Casualty insurance covers liabilities due to accidents and mishaps except those covered by other kinds of insurance. It includes the following:
1.) Employer's liability
2.) Workmen's compensation
3.) Burglary and theft
4.) Personal accident and health insurance written by non-life insurance companies
5.) Other kinds of insurance that are substantially similar
Third persons can sue the insurer in liability insurance if the policy provides for such. Hence, these third persons can sue the insurer because they have a beneficial interest in the policy's proceeds. If, however, the policy provides indemnity against actual loss or payment, third persons can't directly sue the insurer because the insurer's duty is simply to reimburse the insured for liabilities he pays to third persons.
Also remember that negligence is almost always a factor in accident insurance. The insurer thus becomes liable unless the injury in question was due to a voluntary/deliberate act.
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