Chapter 6 Flashcards

1
Q

What is proximate cause?

A

Proximate cause means the active, efficient cause that sets in motion a train of event which brings about a result, without the intervention of any force started and working actively from a new and independent source.

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2
Q

What is the dominant cause?

A

The proximate cause of an occurrence

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3
Q

What are the different classifications of Peril?

A
  1. Insured perils 2. Expected or excluded perils 3. Uninsured or unnamed perils
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4
Q

What two things need to be considered when deciding if a loss is covered?

A
  1. Which perils are clearly stated as covered by the policy 2. Which perils are clearly not covered by the policy
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5
Q

How can the doctrine of the proximate cause be modified?

A

The wording of the policy. It is important to check the precise wordings of exclusions in deciding how they impact in any claim.

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