Insurance 101 – Chapter 9 – Volume 17 – The Cause Test

The Cause Test

The cause test was also applied in Owens-Illinois v. United Insurance Company, 264 N.J. Super. 460, 625 A. 2d 1 (1993). The court found that multiple underlying asbestos-related injury claims constituted a single occurrence. As a result of the single-occurrence holding, the insured avoided paying a separate, per-occurrence deductible for each underlying claim. If it had been required to pay a deductible for every claim the insurance would never have come into effect.

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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