Two or more causes operating together to produce the loss. If an insured peril combines with an excepted peril and the effects cannot be separated, the excepted peril applies. If an insured peril combines with an uninsured peril, the insured peril applies unless the insurer has modified the operation of proximate cause by covering ‘losses solely and independently’ caused by the insured peril as in the case of personal accident policies. See CONSECUTIVE CAUSES.
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Causes of a loss which occur together.