I started this article on the topic: 6 FUNDAMENTAL PRINCIPLES OF INSURANCE YOU NEED TO KNOW. The first principle I wrote about was INSURABLE INTEREST.
I talked on the need for an insured to have an insurable interest on the subject matter of insurance before a valid insurance contract must be in force. I also discussed the elements of insurable interest.
The following week I discussed UTMOST GOOD FAITH. This principle confers a duty on the insured to disclose all material facts about the risk to be insured. It is a duty of disclosure. I discussed what material fact is.
Today I want to discuss the third fundamental principle of insurance which is proximate cause.
PROXIMATE CAUSE
The primary purpose of an insurance company is to pay claim to their customers whenever a loss occur.
Therefore the litmus test for any viable insurance company is their ability to pay claim.
Any insurance company that does not have capacity to pay claim is declared insolvent by the regulator.
This is why it is expedient for insuring public to consult professional intermediary companies such as BIMBOL CONSULTANCY SERVICES for their insurance contracts, for best professional advice on their choice of insurance companies to place their risks with.
Whenever an insured report claim to the insurer, the insurer usually ask two dominant questions.
- Is the insurance contract in force?
- Was the loss caused by an insured peril?
When the insurer is satisfied by the response to these two questions, then a claim process will be initiated
Now the first question is to clarify if the premium was paid for the insurance policy. While the second question was for the insurer to know the exact cause of the loss, and whether the cause of the loss was the exact peril that was covered in the policy.
Remember, I told you from the first article that, these fundamental principles are the same anywhere insurance is being practiced.
I will quickly discuss peril before discussing what proximate cause is.
A peril is that event or circumstance in which the risks are insured against.
For example, when you insure your warehouse against fire. Fire is the peril, while the warehouse is the risk. Also, when you insure your house against theft, the robbery attack on your house is the peril, while your properties inside the house are the risks. If you insure your car against accident, an accident is a peril, while your car is the risk. Now that we understand what peril is, I will now discuss what insurer usually referred to as the proximate cause.
Proximate cause means: The active, efficient cause that sets in motion a train of event which brings about a result without the intervention of any force started and working actively from a new and independent source.
From the accident in the picture above, you will see that three vehicles were involved in an accident. That is what is referred to as a train or chain of events.
Looking at the picture carefully, you will see that the truck hit the car in its front and that car at the front of the truck also hit the car in its front also. The truck that first hit the middle car, which made the middle car hit the car in its front, is an active and effective cause. It is the cause that sets the series of accidents in motion. Therefore, that truck is the proximate cause. The last point to note was that there was no other car from anywhere to interrupt the existing chain of events.
Once the insurer established the proximate cause of loss, the next thing is to establish if the proximate cause was a result of the operation of an insured peril.
As I said earlier, in a car accident, an accident is a peril, while the car that was involved in an accident is the risk insured.
From the ongoing discussion, I have been able to establish what a proximate cause is. This is the third fundamental principle of insurance. The understanding of these principles will clear a lot of erroneous believes about insurance and will boost our confidence in insurance patronage.
Putting insurance in place is a financial intelligent strategy; everyone and every organization should embrace it.
Kindly subscribe, like and share this article.
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