Causation In a loss with concurrent causation, the triggering events may occur simultaneously or sequentially.
An anti-concurrent causation (ACC) provision is currently included in the majority of insurance policies.
California’s lower court decisions established legal precedents for concurrent causation.
The validity of claims for damages stemming from concurrent events was decided by these courts.
The ruling stated that the policyholder could claim the entire loss if a covered hazard added to losses from an excluded risk.
An earthquake, for instance, could split a home’s foundation and start a fire with a candle that fell to the floor during the shaking.
The property has a strategy covering fire harm yet prohibits harm from a tremor. The judgment of the court indicates that the entire claim is legitimate.
