Chinese Insurance Contracts: Law and Practice
| Chinese Insurance Contracts: Law and Practice, 2nd edition (c) 2026 |
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CHAPTER 12
Causation
12.1 Introduction
An insurance contract usually sets out a list of risks (events) covered and a list of risks excluded. The insurer is liable only for the loss which is caused by an insured event (or events) under the insurance policy. Subject to contrary terms in the policy, the cause, whether an event covered or an event excluded, is the so-called proximate cause, the dominant or effective or operative cause.1