Insurance 101 – Chapter 9 – Volume 119 – Concurrent Cause Doctrine – 2

Concurrent Cause Doctrine – 2

There would have been no need to create a concurrent cause doctrine if either the automobile or the homeowner’s policy had had a $1 million limit. The court would have applied its earlier stated rule of efficient proximate cause and found applicable the policy with the $1 million policy limit. This is not meant as a criticism of the court but it is, rather, recognition of the humanity of justices of the Supreme Court, who occasionally find themselves reasoning backward to what they perceive as a fair result.

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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