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    Ins 345 Slide Presentation

    Uploaded by

    Abdulazizmutalib Musa
    This document discusses proximate cause as it relates to insurance claims. It defines proximate cause as the immediate cause of a loss event. Only losses caused by risks covered in an insurance policy can be claimed. There may be multiple contributing causes to a loss, but the proximate cause is the substantial reason closest to the loss. The document outlines relevant laws like Roth v South Easthope Farmers Mutual Insurance Co and Gasgarth v Law Union Insurance Co, and categories of perils like insured perils, concurrent causes, and uninsured perils.

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Ins 345 Slide Presentation

    Uploaded by

    Abdulazizmutalib Musa
    41 views8 pages
    This document discusses proximate cause as it relates to insurance claims. It defines proximate cause as the immediate cause of a loss event. Only losses caused by risks covered in an insurance policy can be claimed. There may be multiple contributing causes to a loss, but the proximate cause is the substantial reason closest to the loss. The document outlines relevant laws like Roth v South Easthope Farmers Mutual Insurance Co and Gasgarth v Law Union Insurance Co, and categories of perils like insured perils, concurrent causes, and uninsured perils.

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    Ins 345 Slide Presentation (1)

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    This document discusses proximate cause as it relates to insurance claims. It defines proximate cause as the immediate cause of a loss event. Only losses caused by risks covered in an insurance policy can be claimed. There may be multiple contributing causes to a loss, but the proximate cause is the substantial reason closest to the loss. The document outlines relevant laws like Roth v South Easthope Farmers Mutual Insurance Co and Gasgarth v Law Union Insurance Co, and categories of perils like insured perils, concurrent causes, and uninsured perils.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    41 views8 pages

    Ins 345 Slide Presentation

    Uploaded by

    Abdulazizmutalib Musa
    This document discusses proximate cause as it relates to insurance claims. It defines proximate cause as the immediate cause of a loss event. Only losses caused by risks covered in an insurance policy can be claimed. There may be multiple contributing causes to a loss, but the proximate cause is the substantial reason closest to the loss. The document outlines relevant laws like Roth v South Easthope Farmers Mutual Insurance Co and Gasgarth v Law Union Insurance Co, and categories of perils like insured perils, concurrent causes, and uninsured perils.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 8

    Title Page

    Clover Pike High School

    Proximate cause

    Presented by Group 4
    Title Page Proprietors

    Team Members

    Group 4

    Shamierul aiman bin Mat Muhammad Amier bin Abdul Aziz Mutalib bin
    Salleh Mohd Laziem Musa
    2020829838 2020818006 2020887524
    Title Page Proprietors Introduction

    Introduction

    Introduction
    The closest reason that resulted in the loss is referred to as the proximate cause. It is the immediate
    root of a loss event.
    The major reason an event occurred is the proximate cause, according to this theory. It could also be the
    most important event that leads to the loss event. Only if this substantial reason is close enough to the
    loss will the insurance consider the claim.
    You are protected from a number of specific occurrences when you get life insurance. All hazards are
    not covered by insurance. Therefore, when a loss happens, it may increase as a result of subsequent
    circumstances.
    Only losses that are caused by the insured incidents are covered by your insurance policy; all other
    losses are not. You are only permitted to file a claim for damages if the primary cause is protected by
    insurance.
    Title Page Proprietors Introduction

    2 causes that can be implemented

    Proximate cause Remote cause

    -Relevant when there are two or more causes of -When an original event has occurred. The motion
    loss, at least one of which is covered by the toward loss is when another new and independent
    policy and one excluded cause occurs and loss happens.
    Title Page Proprietors Introduction

    2 laws that can be associated with proximate cause

    Roth v South Easthope


    Gasgarth v Law Union
    Farmers Mutual
    Insurance Co (1876)
    Insurance Co (1918)

    Lightning damaged a building and Fire damaged a wall and weakened it


    weakened a wall Several days later, a gale blew down the
    Shortly afterward, the weakened wall was weakened wall
    blown down by high winds. Proximate cause: Gale
    Proximate cause: lightning
    Title Page Proprietors Introduction Review of Literature Methodology

    Perils relevent to proximate cause

    Insured perils Concurrent causes

    stated that in the policy is insured cause whereby it's clear that
    more than one event has
    occurred at the same time,
    contributing to the loss.
    Uninsured or other perils

    Those not mentioned in the policy at all.


    Storm, smoke, and water are not
    excluded. It's possible that water
    damage claim to be covered.
    Title Page Proprietors Introduction Review of Literature

    The perils also can be divided into 2 categories


    Cannot be identified or cannot be separated, all damage will not
    Expected perils be insured. If the loss can be filtered, then the only insured part of

    the damage is covered.

    Cannot be identified or cannot be separated, all damage will be


    Unexpected perils
    insured. If the loss can be filtered, then the appropriate settlements
    will be made if insured.
    Title Page

    Clover Pike High School

    Group 4

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