7/18/2019 053 - Pandiman v Marine Manning Management Corp & Singhid

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FGU INSURANCE v. CA March 31, 2005 | Chico-Nazario, J.Digester: Melliza, F.S.L.

TOPIC: is!s "#e to $eglige$ce

FACTS:

 %NC& 'as i$ the shi((i$g )#si$ess. *t o'$e" a t#g)oat a$" a)arge, 'hich 'ere o(erate" as co++o$ carriers. he t#g)oatt#gge" the )arge si$ce the latter ha" $o e$gi$e. Sa$ Mig#elCor(oratio$ SMC shi((e" /ro+ Ma$"a#e Cit, Ce)#, o$)oar" %NC&s t#g)oat a$" )arge a total o/ 0,550 cases o/ )eer a$"cerezas )o#$" /or Sa$ Jose, %$ti4#e a$" sta$cia, *loilo. 6he$the essels arrie" i$ Sa$ Jose, the s! t#r$e" "ar! a$" the 'aess'elle" high. 7$a)le to #$loa" all o/ the cases, SMCsre(rese$taties as!e" %NC&s re(rese$taties to sail to so+e(lacesa/e 'here the )arge +a shelter i$ the stor+. 7$"a#$te", %NC&s re(rese$taties (ai" $o hee", co$8"e$t that the )arge 'illhol" /ast agai$st the te+(est. %las9 he stor+ ca+e a$" seere"

the essels +oori$g, "ashi$g the )arge a$" )eers #(o$ the roc!shores o/ Sa$ Jose, %$ti4#e. S#)se4#e$tl, the "r#$!ar"s o/ %$ti4#e s'ore e$gea$ce agai$st the stor+. Note: last se$te$ce$ot i$ the case.

 %NC& /aile" to "elier 2,210 cases o/ ;ale ;ilse$ a$" 550 caseso/ Cereza Negra, a+o#$ti$g to 1,3<,1=.00 i$ "a+age clai+s.

 %NC& a$" SMC i$s#re" the cargo 'ith F>7 *$s#ra$ce so thatthe +a recoer i$"e+$it i$ case o/:

a total loss o/ the e$tire shi(+e$t?

) loss o/ a$ case as a res#lt o/ the si$!i$g o/ the essel? orc loss as a res#lt o/ the essel )ei$g o$ 8re.

F>7, ho'eer, alleges that %NC& a$" ;lai$ti@ SMC /aile" toeAercise or"i$ar "ilige$ce or the "ilige$ce o/ a goo" /ather o/ the

/a+il i$ the care a$" s#(erisio$ o/ the cargoes i$s#re" to(ree$t its loss a$"Bor "estr#ctio$.

RULING:

 When evidence show that the insueds ne!"i!ence oec#"essness is so !oss as to $e su%icient to constitute a

 wi""&u" act' the insue (ust $e e)oneated. he 4#estio$ $o'

is 'hether there is a certai$ "egree o/ $eglige$ce o$ the (art o/the i$s#re" or his age$ts that 'ill "e(rie hi+ the right to recoer#$"er the i$s#ra$ce co$tract. 6e sa there is. o'eer, to 'hateAte$t s#ch $eglige$ce +#st go i$ or"er to eAo$erate the i$s#rer/ro+ lia)ilit +#st )e eal#ate" i$ light o/ the circ#+sta$cess#rro#$"i$g each case.

*$ the case at )ar, )oth the trial co#rt a$" the a((ellate co#rt ha"co$cl#"e" /ro+ the ei"e$ce that the cre'+e+)ers o/ )oth theDB L#cio a$" the MB %NC& 'ere )lata$tl $eglige$t. o 'it:

Thee was $"atant ne!"i!ence on the *at o& the e(*"o+ees

o& de&endants,a**e""ants 'he$ the (atro$ o(erator o/ the t#g)oat i++e"iatel le/t the )arge at the Sa$ Jose, %$ti4#e 'har/"es(ite the loo+i$g )a" 'eather. Neglige$ce 'as li!e'iseeAhi)ite" ) the "e/e$"a$ts-a((ella$ts re(rese$tatie 'ho "i" $othee" Maca)#ags re4#est that the )arge )e +oe" to a +oresec#re (lace. he (r#"e$t thi$g to "o, as 'as "o$e ) the othersea essels at Sa$ Jose, %$ti4#e "#ri$g the ti+e i$ 4#estio$, 'asto tra$s/er the essel to a sa/er 'har/. he $eglige$ce o/ the"e/e$"a$ts-a((ella$ts is (roe" ) the /act that o$ 01 &cto)er1=, the o$l si+(le essel le/t at the 'har/ i$ Sa$ Jose 'as theDB L#cio.