Proximate Cause

Proximate Cause Proximate cause refers to a doctrine by which a plaintiff must prove that the defendant's actions set in motion a relatively short chain of events that could have reasonably been anticipated to lead to the plaintiff's damages. Therefore an actual cause that is also legally sufficient to support liability in someone (entity) wrongful action that cause damage. If the defendant's actions were "proximate" or close enough in the chain of causation to have foreseeably led to the plaintiff's damages, courts will impose liability. 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. An example proximate cause can be when a 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. OR if a truck driver swerves in a moved to avoid a bicyclist riding on the road, the bicyclist's unsafe driving might be the proximate. Test for remoteness of damage is whether the kind of damage you have suffered was reasonably foreseeable by the Defendant, at the time the damage occured. In certain circumstances it is difficult to prove proximate cause example in a personal injury case. Not every remote cause of an injury will result in a right to recover damage. Proximate cause is important in that the insurer needs to identify the single cause that is the primary source of the damage, loss or injury as insurance will not simply provide indemnification against any and every financial loss suffered by the insured property. #benewinsurance #insurtech #inclusiveinsurance #insurance #reinsurance #takaful