6 - Proximate Cause Flashcards
(12 cards)
(1) When identifying proximate cause, it is true to say that:
Self test questions
a. Proximate cause is the only cause of a resulting loss
b. There is always a direct link between proximate cause and resulting loss
c. Proximate cause is the last cause of a resulting loss
d. Proximate cause only occurs when there is a single event
(2) Bad storms have caused heavy branches from surrounding trees to blow into the road at a busy crossroads. During the night, before the branches can be moved, a motorist has an accident at the crossing. The proximate cause of the accident is the:
Self test questions
a. Storm
b. Branches
c. Delay in moving the branches
d. Motorist
(3) Following a party in a busy bar, partygoers spill out onto the street and a fight breaks out. During the commotion a shop window is smashed. Later that evening stock from the shop is stolen. The proximate cause of the theft is the:
Self test questions
a. Party
b. Broken window
c. Revellers
d. Fight
(57) When an insurer refers to the proximate cause of a loss, what cause is actually being referred to?
iF1 Exam 2023
A. The direct cause
B. The dominant cause
C. The indirect cause
D. The remote cause
(4) The principle of proximate cause is applied when there is:
Self test questions
a. Only one cause
b. No identifiable peril
c. More than a single cause
d. No known cause
(5) Tracey’s garden shed has been damaged by a fallen tree from her neighbour’s garden. The tree fell during heavy storms. What is the proximate cause of the damage to Tracey’s shed?
Self test questions
a. The storm
b. The fallen tree
c. The neighbour’s failure to secure the tree
d. Tracey’s failure to protect her shed
(6) The shop window of a newsagents has been smashed and, although the premises were insured for glass breakages, the claim has been refused. This is most likely because the proximate cause of the loss was:
Self test questions
a. Not the dominant cause
b. An insured peril
c. An unnamed peril
d. An excluded peril
(58) Julie falls from her horse and is injured. After spending three months in hospital, and due to clinical negligence, she catches an infection and dies. What is the proximate cause of her death?
iF1 Exam 2023
A. Clinical negligence only
B. The fall from her horse only
C. The fall from her horse and clinical negligence equally
D. Neither the fall nor clinical negligence
(7) An unnamed peril is:
Self test questions
a. Mentioned in the policy as not covered
b. Not mentioned in the policy
c. Specifically excluded in the policy
d. Specifically mentioned in the policy
(8) James has insured his painting and decorating tools against loss, theft and accidental damage. The policy does not mention loss as a result of fire. This could be referred to as an:
Self test questions
a. Excluded peril
b. Insured peril
c. Uninsured peril
d. Excepted peril
(9) A shop owner’s stock was damaged by water following an attempt to put out a fire that resulted from an electrical fault. The policy did not cover water damage, but the claim was paid because:
Self test questions
a. Water damage was an excepted peril
b. The proximate cause was an insured peril
c. Fire damage was an excepted peril
d. The proximate cause was water damage
An excepted peril is:
Self test questions
a. Mentioned in the policy as covered
b. Not mentioned in the policy at all
c. Linked directly to the proximate cause
d. Named in the policy as specifically not covered
