Make a digest for each of the following cases.

A digest is a summary of the Supreme Court cases. It has three (3) parts: facts, issue, and ruling. The facts part consists only of the essential facts relevant to the ruling in the case while the issue should be relevant to the topic under which the case belongs. The ruling should answer the issue raised in the case.

A.Negligence

1.Degree of diligence

PHOENIX ASSURANCE COMPANY OF NEW YORK, MCGEE & CO., INC., G.R. NO. 162467, May 8, 2009