SEC. 82. In case of an over insurance by several
insurers, the insured is entitled to a ratable return of the premium,
proportioned to the amount by which the aggregate sum insured in all the
policies exceeds the insurable value of the thing at risk.
Compiled from an official source version. Later amendments or repeals may not be reflected; the official text prevails. · Read the official text ↗ · Data as of July 4, 2026
CitationPD 612 (The Insurance Code) Section 82 (LawPlayer, data as of July 4, 2026)
Source: Supreme Court E-Library, Republic of the Philippines. Philippine laws are public documents (works of the government).
