When a passenger jeepney, insured but with an authorized driver’s clause and was driven by a driver who only holds a Traffic Violation report (TVR) because his license was confiscated, met an accident, may the owner of the jeepney claim from the insurance company?


Yes. The fact that the driver was merely holding a TVR does not violate the condition that the driver should have a valid and existing driver’s license. Besides, such a condition should be disregarded because what is involved is a passenger jeepney, and what is involved here is not own damage insurance but third party liability where the injured party is a third party not privy to the contract of insurance. (2003 Bar Question)