Which concept concerns a loss that arises from more than one cause, with coverage applying to the outcome even if not all causes are covered?

• A. Concurrent Causation
• B. Proximate Cause
• C. Indirect Loss
• D. Occurrence

Answer: (A)

Concurrent causation describes a situation where a single loss results from the interaction of more than one cause, and the policy can still respond if a covered peril was a contributing factor. The idea is that if the covered peril contributed to the outcome and the loss wouldn’t have happened without it, the claim can be covered even though another cause involved is not covered. This differs from proximate cause, which focuses on identifying the primary driver of the loss to determine coverage under the traditional rule; indirect loss refers to secondary effects that flow from a direct loss, and occurrence relates to the event during the policy period that triggers coverage. In practical terms, when two perils combine to produce damage and at least one is covered and is a substantial factor, the insurance often covers the loss despite the presence of a non-covered cause.