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Clover Pike High School

Proximate cause

Presented by Group 4
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Team Members

Group 4

Shamierul aiman bin Mat Muhammad Amier bin Abdul Aziz Mutalib bin
Salleh Mohd Laziem Musa
2020829838 2020818006 2020887524
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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.
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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.
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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.
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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.
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Clover Pike High School

Group 4