Jury Instruction Cause

It is a rule of law that in actions on fire policies, full regard must be had to the causa proxima. If the proximate cause of the loss is fire, the loss is recoverable. If the cause is not fire but some other cause remotely connected with fire, it is not recoverable, unless specifically provided for.

Proximate cause is concerned with how the actual loss or damage happened to the insured party and whether it is a result of an insured peril. It looks for what is the reason behind the loss, is that is an insured peril or not. The doctrine of proximate cause is one of the six principles of insurance.

Example: Driver of Car A runs a red light and hits Car B, which had a green light, causing injury to the driver of Car B.But proximate cause can also be the most difficult issue in a personal injury case. Not every remote cause of an injury will result in a right to recover damage.

Proximate Cause (1) The cause having the most significant impact in bringing about the loss under a first-party property insurance policy, when two or more independent perils operate at the same time (i.e., concurrently) to produce a loss.

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.

Proximate cause means legal cause, or one that the law recognizes as the primary cause of the injury.In other words, the plaintiff will have to show that the injuries were the natural and direct consequence of the proximate cause, without which the injuries would not have occurred.

A proximate cause is an event which is closest to, or immediately responsible for causing, some observed result. This exists in contrast to a higher-level ultimate cause (or distal cause) which is usually thought of as the "real" reason something occurred.