Insurer not liable for excepted peril

N.D. Cent. Code § 26.1-32-03
in effect
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26.1-32-03. Insurer not liable for excepted peril When a peril is excepted specially in an insurance contract, a loss which would not have occurred but for that peril is excepted although the immediate cause of the loss was a peril which was not excepted. An insurer may contract out of the efficient proximate cause doctrine.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://ndlegis.gov/cencode/t26-1c32.pdf#nameddest=26p1-32-03Fetched: 10/16/2026

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