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Proximate cause is a key principle of insurance and is concerned with how the loss or damage actually occurred and whether it is indeed as a result of an insured peril. ... The important point to note is that the proximate cause is the nearest cause and not a remote cause.
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ᴘʀᴏxɪᴍᴀᴛᴇ ᴄᴀᴜsᴇ ɪs ᴀ ᴋᴇʏ ᴘʀɪɴᴄɪᴘʟᴇ ᴏғ ɪɴsᴜʀᴀɴᴄᴇ ᴀɴᴅ ɪs ᴄᴏɴᴄᴇʀɴᴇᴅ ᴡɪᴛʜ ʜᴏᴡ ᴛʜᴇ ʟᴏss ᴏʀ ᴅᴀᴍᴀɢᴇ ᴀᴄᴛᴜᴀʟʟʏ ᴏᴄᴄᴜʀʀᴇᴅ ᴀɴᴅ ᴡʜᴇᴛʜᴇʀ ɪᴛ ɪs ɪɴᴅᴇᴇᴅ ᴀs ᴀ ʀᴇsᴜʟᴛ ᴏғ ᴀɴ ɪɴsᴜʀᴇᴅ ᴘᴇʀɪʟ. ... ᴛʜᴇ ɪᴍᴘᴏʀᴛᴀɴᴛ ᴘᴏɪɴᴛ ᴛᴏ ɴᴏᴛᴇ ɪs ᴛʜᴀᴛ ᴛʜᴇ ᴘʀᴏxɪᴍᴀᴛᴇ ᴄᴀᴜsᴇ ɪs ᴛʜᴇ ɴᴇᴀʀᴇsᴛ ᴄᴀᴜsᴇ ᴀɴᴅ ɴᴏᴛ ᴀ ʀᴇᴍᴏᴛᴇ ᴄᴀᴜsᴇ.
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