Chapter 6

Question 1

What is proximate cause?

Answer 1

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.

Question 2

What is the dominant cause?

Answer 2

The proximate cause of an occurrence

Question 3

What are the different classifications of Peril?

Answer 3

1. Insured perils 2. Expected or excluded perils 3. Uninsured or unnamed perils

Question 4

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

Answer 4

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

Question 5

How can the doctrine of the proximate cause be modified?

Answer 5

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