Principle of Causa Proxima :

This principle is based on the maxim in jure non remota cause, sed proxima spectator, which means in law the immediate and not the remote cause is to be considred in measuring the damages. Where a loss is brought by several causes in succession to one another, the proximate or nearest cause of loss must be taken into account. If the proximate cause is covered by the policy, only then the insurance company will be liable to compensate the insured.