Section 80
SEC. 80. An insurer is not liable for a loss caused by the willful act or through the connivance of the insured; but he is not exonerated by the negligence of the insured, or of his agents or others. NOTICE OF LOSS.
SEC. 80. An insurer is not liable for a loss caused by the willful act or through the connivance of the insured; but he is not exonerated by the negligence of the insured, or of his agents or others. NOTICE OF LOSS.
Source: Supreme Court E-Library, Republic of the Philippines. Philippine laws are public documents (works of the government).