Causa Proxima implies that
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The insurer is liable to compensate for the loss only when the nearest or immediate cause of loss is covered by the insurance policy
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The insured must take all possible steps to minimise the loss of subject matter of insurance
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The insurer is liable to pay all the damages made to the property, whether the cause of damage is insured or not
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None of these
It means that the insurer is liable to compensate for the loss only when the nearest or immediate cause of loss is covered by the insurance policy. If the risk insured is the outcome of a remote cause which is not insured against, the insurer is not liable to pay the compensation. For instance, a ship is insured against rats and rats makes a hole in the ship and water starts entering into it. The ship is anchored at a port for repairs, and cargo is unloaded for it. In the process of unloading the cargo is partly damaged due to careless handling and the loss of cargo is not covered by marine insurance policy. It is not insured, and it is the proximate cause of loss, the insurer is not liable to pay any compensation.