Proximate Cause
Muhtasari
A fire starts, the fire brigade arrives, and the water they pump to put out the flames soaks goods the fire never touched. Was the goods ruined by fire or by water? A trader will call it fire and expect the fire policy to pay. This everyday puzzle is what the principle of proximate cause exists to settle, and it decides which claims an insurer must pay and which it may refuse.
In this lesson you will learn what proximate cause means, how to trace the real cause of a loss through a chain of events, and how to tell the dominant cause from a remote one. You will meet the three kinds of peril that appear in every policy, and the four working rules that tell you, case by case, whether the claim is payable. Master this and you can reason your way through the trickiest question on the paper.
Malengo
- Define proximate cause and explain the importance of the dominant and effective cause of a loss
- Distinguish the proximate cause from a remote cause in a chain of events
- Apply the doctrine to determine whether a claim is payable where several causes operate
- Explain how insured, excepted and uninsured perils affect the settlement of a claim
Maelezo ya Somo
Jisajili ili Uendelee
Tengeneza akaunti ya bure ili kupata rasilimali zote za kujifunza, maswali ya mazoezi, na kufuatilia maendeleo yako.
Tathmini ya Somo
Hongera kwa kukamilisha somo la Proximate Cause. Sasa kwa kuwa umechunguza dhana na mawazo muhimu, ni wakati wa kuweka ujuzi wako kwa mtihani. Sehemu hii inatoa mazoezi mbalimbali maswali yaliyoundwa ili kuimarisha uelewaji wako na kukusaidia kupima ufahamu wako wa nyenzo.
Utakutana na mchanganyiko wa aina mbalimbali za maswali, ikiwemo maswali ya kuchagua jibu sahihi, maswali ya majibu mafupi, na maswali ya insha. Kila swali limebuniwa kwa umakini ili kupima vipengele tofauti vya maarifa yako na ujuzi wa kufikiri kwa makini.
Tumia sehemu hii ya tathmini kama fursa ya kuimarisha uelewa wako wa mada na kubaini maeneo yoyote ambapo unaweza kuhitaji kusoma zaidi. Usikatishwe tamaa na changamoto zozote utakazokutana nazo; badala yake, zitazame kama fursa za kukua na kuboresha.
- Proximate cause is best described as the: A. First event in the chain of causes B. Last event before the loss occurred C. Dominant and effective cause of the loss D. Cheapest cause for the insurer to accept Answer: C
- A peril that is named in a policy as specifically not covered is called an: A. Insured peril B. Excepted peril C. Uninsured peril D. Fortuitous peril Answer: B
- Where the proximate cause of a loss is an insured peril, the insurer is liable even if part of the loss was also caused by: A. An excepted peril B. A warranty C. An uninsured peril D. The sum insured Answer: C
- A goods lorry insured against fire overturns on a bad road; petrol leaks, ignites and the cargo burns. The proximate cause of the loss of the cargo is: A. The bad road B. The overturning C. Fire D. The leaking petrol Answer: C
- If the proximate cause of a loss is found to be an excepted peril, the insurer is: A. Fully liable B. Liable for half the loss C. Not liable D. Liable only up to the sum insured Answer: C
Jisajili ili Uendelee
Tengeneza akaunti ya bure ili kupata rasilimali zote za kujifunza, maswali ya mazoezi, na kufuatilia maendeleo yako.
Jisajili ili Uendelee
Tengeneza akaunti ya bure ili kupata rasilimali zote za kujifunza, maswali ya mazoezi, na kufuatilia maendeleo yako.
