Title
Guerrero vs. Philippine Phoenix Surety and Insurance, Inc.
Case
G.R. No. 223178
Decision Date
Dec 9, 2020
A 2008 collision between vehicles led to an insurance claim and subrogation. The Supreme Court dismissed the case due to insufficient evidence, ruling key documents inadmissible and rejecting res ipsa loquitur.
A

Case Summary (G.R. No. 223178)

Factual Summary of the Accident

On December 31, 2008 at about 6:30 p.m., Gaticales’ Isuzu and Guerrero’s Chevrolet collided head-on. The police blotter entry recorded that Guerrero’s Chevrolet overlapped the center line and that the Chevrolet’s driver fled the scene. The Isuzu sustained extensive left-side damage; the Chevrolet allegedly sustained left-side and windshield damage. Cordero was later identified as the driver. Gaticales declared the Isuzu a constructive total loss; Phoenix, as insurer, paid P810,000.00 to Gaticales and obtained a subrogation release. Phoenix sold the Isuzu at public auction for P399,050.00.

Claim and Relief Sought by Phoenix

Phoenix sued Guerrero and Cordero for: (1) P425,100.00 (subrogated balance computed from insurance payout and auction sale), (2) P9,180.00 reimbursement to Gaticales for his participation fee, (3) attorney’s fees (P42,500.00 plus P2,500.00 per appearance), and (4) costs of suit. Phoenix alleged negligence in the operation of the Chevrolet and sought to hold Guerrero solidarily liable as employer of Cordero.

Documentary and Testimonial Evidence Offered by Phoenix

Phoenix attached to its complaint: the insurance policy, a certification purporting to quote the police blotter entry from Zarraga Municipal Police Station (issued by PI Peregil), two photographs of the damaged Isuzu, a disbursement voucher, the release/subrogation receipt signed by Gaticales, a demand letter, and an engagement letter with counsel. At trial Phoenix presented a single witness — its claims manager, Roberto Salaver — who identified his judicial affidavit and referred to the police certification and photographs.

Defendants’ Position and Proof

Guerrero denied vicarious liability, asserting due diligence in selection and supervision of employees and an internal vehicle-use policy restricting operation to authorized drivers. Guerrero claimed Cordero was not authorized to use the Chevrolet and had taken it without consent; Cordero allegedly drove slowly due to rain and then fled because of confusion and fear. Guerrero presented his legal staff, Acsay, who testified about the company’s memorandum on authorized drivers and a suspension memorandum showing disciplinary action against Cordero.

Regional Trial Court Ruling

The RTC applied the doctrine of res ipsa loquitur and found Guerrero and Cordero solidarily liable. The RTC concluded: (1) the accident was caused by negligent driving of the Chevrolet (the Chevrolet overlapped the center line and the driver fled), (2) the Chevrolet was under the exclusive control of Cordero, and (3) Gaticales was not contributorily negligent. The RTC ordered joint and several payment of the subrogated loss (P425,100.00), reimbursement to Gaticales (P9,180.00), attorney’s fees, and costs.

Court of Appeals Ruling

The CA affirmed the RTC. It held the police certification admissible under Section 46, Rule 130 as an entry in an official record and as an exception to the hearsay rule, relying on precedent (Malayan Insurance Co., Inc. v. Alberto). The CA found that requisites for admissibility were satisfied: the entry was made by a public officer in the performance of duty and the officer had sufficient knowledge acquired through official investigation. The CA also held that, even if the police certification were inadmissible, the doctrine of res ipsa loquitur applied because the accident ordinarily does not occur in the absence of negligence, the instrumentality was within the exclusive control of Cordero, and there was no showing of contributory negligence by Gaticales; Cordero’s flight reinforced the inference of negligence.

Issues Raised before the Supreme Court

Guerrero’s petition contended that he was denied the constitutional right to confront and cross-examine the police investigator (PO2 Diestro) and that the police blotter/certification and photographs lacked probative value and proper authentication. Guerrero argued that res ipsa loquitur was improperly applied because Phoenix failed to satisfy the doctrine’s requisites and could have produced Gaticales as a witness. Phoenix countered that the petition raised factual issues, asserted that the confrontation right is not implicated in civil cases in the same manner as criminal proceedings, and maintained that res ipsa loquitur was properly applied.

Supreme Court’s Analysis on the Police Certification

The Supreme Court recognized that a police blotter entry (or certification of its contents) may be admissible as an official record under Section 46, Rule 130; however, admissibility depends on proper presentation. The Court emphasized that where the original is in custody of a public officer, its contents must be proved by a certified copy issued by the public officer in custody (Section 8, Rule 130). In this case, the Certification dated January 5, 2009 (signed by PI Peregil) did not affirm that PI Peregil was the legal custodian of the blotter, and Phoenix failed to present PI Peregil or a proper custodian to identify and authenticate the certification. Salaver, Phoenix’s claims manager, was not an authorized representative and lacked competence to attest to the certification’s due execution or authenticity. Consequently, the Certification was inadmissible and could not supply probative basis for the RTC’s finding or for application of res ipsa loquitur.

Supreme Court’s Analysis on Photographic Evidence

The Court reiterated that photographic evidence must be identified and authenticated by the person who took the photographs or by a witness competent to attest that the images are faithful representations of the scene or objects depicted. The Rule on Electronic Evidence similarly requires identification or authentication by

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