Insurance proximate cause of the principle of "proximate cause" of the concept of content

Over the years, the academics at home and abroad on the principle of proximate cause of the Insurance Law "proximate cause" there have always been the interpretation of the word "time" and "effect that" two distinct points of view. The former believe that the time close to the reason for this is that the most proximate cause, while the latter effect that the most significant reasons is the proximate cause. In this paper, that the "proximate cause" of the content of the concept of accurate and scientific understanding in the insurance practice is of great significance, "Time said," is not in line with insurance claims in that the actual cause and effect relationship. Any loss because the situation at that time involved the most likely cause of a very wide, so not only to measure time decision proximate cause "that results" may not necessarily make good its United States, because in the practice of insurance claims, if there regardless of how many Lead to the loss of objective reasons, can only choose one of the two as a result of the basis for the claims. "More because of a fruit," the objective is to become a no practical significance, the shell extra term. "Proximate cause" should also consider the time the injury occurred close to the role and effectiveness of two reasons, "proximate cause" should be a time and effectiveness of both elements of the organic integration.

Key words: Insurance Law; proximate cause; proximate cause principles