THE PRINCIPLE DUE CAUSE

This principle is strongly associated with the occurrence of events so that can cause financial losses to the insured. Replacement of losses by the insurance company will only be paid if the event is efficient or predominant cause of loss was included in warranty insurance Polls concerned.

In insurance practice, is sometimes very difficult to assign an event which is considered as the cause of the most dominant or most efficient way of causing damage, because sometimes these events are not single events (single Perils) but is a series of interrelated events.
So frequent controversies and debates in determining the primary cause of loss events.
 

To see it clearly, look the example below  

1. The ship ran aground on rocks exposed to sea and experiencing leakage. For temporary emergency action to patch the leaks is that the ships could soon go to the Port of emergency. In the middle of the road, regardless of patches and the sinking ship. Which causes the ship sank, stranded boat hit a rock or because the existing patches leak out?

2. A person suffering from heart disease fall in the bathroom and died. The main cause of death of that person: because of a fall (Accident) or heart disease (Sickness).

3. In special circumstances, often require the assistance of the determination by the Expert or Professional related, for example: Professional Surveyor Fire Claim or Visam of Physicians and even the active role of the expert field of Forensic Investigation.

4. Concurrent Cause (Cause the same time)

It often happens that there are 2 (two) events that take place simultaneously, independently (not related) that cause a loss / damage.

Example:

The occurrence of hurricanes along with the fire, which was not related to cause 2 (two) types of damages, caused by fire and hurricanes. There is also an event fires when there is a riot (Riots), each of which are not related.

Problems

Will arise if one of the two events were not guaranteed the same insurance policy, for example: Fire insurance policy only guarantees / loss from fire alone, not including hurricanes or civil commotion, How the solution of this problem in insurance ?

 
Insurance Solutions:

If both events occur simultaneously does not exempt the Policy, or loss that occurred could not be separated, which caused a fire and where due to hurricanes, the damage / loss is covered by insurance.

But if can be separated, then only that is not excluded, which is guaranteed insurance. If there is one event that excluded the relevant Policy and sum of the damage / loss can not be separated, then the damage / losses are not guaranteed insurance. But if can be separated, then only that is not excluded, which is guaranteed insurance.