before proceeding to consider the insurer's liability, it is nessesary for a clear understanding to be arrived at in regard to fundermental principle underlying the contracts . this principle si expressed in the well-known causation. in the case that an insurer covers the indemnity liability, there is a need for a definite causation between the perils covered and the loss. on the contrary, to avoid the indemnity liability, the insurer has to consider the perils not covered as well as the perils covered and the excluded perils under the policy of limit of liability that enumerated the exclued perils concretely, so that the causation between the perils not covered and the loss is to be inspected. perils not covered means all perils except for the perils covered and the excluded perils. and is stated as neither the perils covered nor the excluded perils. therefore even if the loss consequent on perils not covered only the insurer is not liable for indemnity liability. thus the purpose of this study is to analyze the insurer's liability in the loss consequent on the various perils.
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