Chapter 6 Proximate cause

Question 1

What is the proximate cause?

Answer 1

The dominant cause of a loss

Question 2

For the first cause to be the proximate cause must the chain of events be broken or unbroken

Answer 2

Unbroken

Question 3

What is an insured peril?

Answer 3

Those named in policy as covered

Question 4

What is an excluded peril?

Answer 4

Those named in policy as specifically not covered

Question 5

What is an unnamed or uninsured peril?

Answer 5

Perils not mentioned in policy

Question 6

If a loss is caused by an insured peril (eg Fire) and the insured peril is the proximate cause is the loss covered?

Answer 6

Yes

Question 7

If a loss is caused by an excepted peril (eg war) and the excepted peril is the proximate cause is the loss covered?

Answer 7

No

Question 8

If a loss is caused by an uninsured peril (eg water) but an insured peril eg fire is the proximate cause is the loss covered

Answer 8

Yes

Question 9

Does the addition of the words “directly and indirectly” broaden or narrow a policy exclusion

Answer 9

Broaden