Every event is the outcome of a chain (or net) of previous events, but in the words of Bacon “It were infinite for the law to consider the causes of causes, and their impulsions one of another; therefore it contenteth itself with the immediate cause”. This immediate or effective cause, not necessarily that closest in time to the event, is termed the proximate cause. Unless the insurance policy otherwise provides, the Insurer is liable for any loss which is proximately caused by an insured peril.
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