IF1.6 Proximate Cause Flashcards
define Proximate cause
The dominant cause
When may you have to identify a proximate cause?
when there is a chain of events or more than a single cause.
An insurance policy covers…
a particular loss caused by an insured peril
What are the 3 types of perils
- insured
- excepted/excluded
- uninsured/unnamed
Insured perils
The policy states that they are insured
expected/excluded perils
The policy states that they are not insured
Uninsured/unamed perils
The policy doesn’t mention them. they are not insured.
if an excepted peril is the proximate cause
the loss is not covered
If an insured peril is the proximate cause (even it the loss was caused by an uninsured peril)
the loss is covered
Policy wordings or modifications may…
exclude certain proximate causes.
which case gave the definition for proximate cause
Pawsey
