When there is an unbroken connection between an occurrence and the damage that arises from the occurrence, this is known as?

• A. Proximate Cause
• B. Intervening Cause
• C. Concurrent Causation
• D. Causation

Answer: (A)

The main concept is proximate cause: it’s the direct, unbroken link between the event that occurred and the damage that results from it. When the sequence from the occurrence to the loss stays intact, the damage is considered to flow from that occurrence through its proximate cause, making that cause responsible under the policy. That single, continuous connection is why it’s the best answer—the loss is a natural and probable consequence of the event without any intervening factor interrupting the chain. If something after the occurrence breaks the chain, an intervening cause would shift or sever liability. (Concurrent causation involves two causes contributing to the loss, and causation alone is too broad to specify the direct link used in coverage decisions.)