Practice question
The insured peril is stipulated only a remote cause of the loss. No other coverage ground or different policy rule applies. The insured says any causal connection satisfies Section 86. Which is correct?
- Every connection is automatically proximate
- Only the insured may classify causation conclusively
- The statute contains no remote-cause distinction
- The insurer must pay every requested sum
- The default expressly does not impose liability on that remote-cause basis
Legal references
- Insurance Code as amended by RA 10607: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html; Sections 86-88.
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