Insurance 101 – Chapter 5 – Volume 40 – Concurrent Cause

Concurrent Cause

The leading authority in California for the interpretation of automobile use exclusions is State Farm Mut. Auto Ins. Co. v. Partridge. The supreme court found two independent causes of the incident and compelled both the homeowner’s insurance and the automobile insurance policies to apply. In order for Partridge to apply, the modern rule, stated in Daggs v. F oremost Ins. Co.,88 requires that there be two negligent acts or omissions of the insured, one of which, independently of the excluded cause, renders the insured liable for the resulting injuries.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library

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The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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