Question 1

Which best describes how proximate cause is identified when two causes contribute to one loss?

Accepted Answer

The dominant, effective cause that set the loss in motion — Proximate cause looks for causal dominance and effectiveness, not simple chronological order.

Question 2

If an excluded peril is found to be the proximate cause of a loss, what happens to a covered peril that also contributed?

Accepted Answer

The loss is not covered, because the dominant cause is excluded — When the excluded peril is proximate, the loss is not covered even though a covered peril also played some part in the chain of events.

Proximate Cause

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