Liability of insurer for loss - Proximate and remote cause

N.D. Cent. Code § 26.1-32-01
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26.1-32-01. Liability of insurer for loss - Proximate and remote cause An insurer is liable for a loss proximately caused by a peril insured against even though a peril not contemplated by the insurance contract may have been a remote cause of the loss. An insurer is not liable for a loss of which the peril insured against was only a remote cause. The efficient proximate cause doctrine applies only if separate, distinct, and totally unrelated causes contribute to the loss.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://ndlegis.gov/cencode/t26-1c32.pdf#nameddest=26p1-32-01Fetched: 10/16/2026

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