Efficient Proximate Cause

The efficient proximate cause of a loss is the predominant, or most important cause of a loss. Coverage would not exist if the covered risk was simply a remote cause of the loss or if an excluded risk was the efficient proximate cause of the loss. If more than one peril contributes to a loss, the question which is the efficient proximate cause generally is a factual matter for the jury to resolve.

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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