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.
2
Q
What is the dominant cause?
A
The proximate cause of an occurrence
3
Q
What are the different classifications of Peril?
A
- Insured perils 2. Expected or excluded perils 3. Uninsured or unnamed perils
4
Q
What two things need to be considered when deciding if a loss is covered?
A
- Which perils are clearly stated as covered by the policy 2. Which perils are clearly not covered by the policy
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.