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LOSS
Sections 85 to 89
DEFINITION
SECTION 85
An agreement not to transfer the claim of
the insured against the insurer after
loss
has happened, is
void
the
if made
CLAIM
SECTION 86
Unless otherwise provided by the policy, an
insurer is liable for a loss of which a peril
insured against was the proximate
cause,
PROXIMATE CAUSE
HOSTILE FIRE
(FOR BON)
FRIENDLY FIRE
(FOR BON)
SECTION 87
An insurer is liable where the thing insured is
rescued from a peril insured against that would
otherwise have caused a loss, if, in the course of
such rescue, the thing is exposed to a peril not
insured against, which permanently deprives the
insured of its possession, in whole or in part; or
where a loss is caused by efforts to rescue the thing
insured from a peril insured against
SECTION 88
Where a peril is especially excepted in a
contract of insurance, a loss, which would
not have occurred but for such peril, is
thereby excepted although the immediate
cause of the loss was a peril which was not
excepted.
SECTION 89
An insurer is not liable for a loss caused by
the
willful
connivance
act
or
through
the
END OF PRESENTATION
Bon, Rosaminda S.
Juan, Judith O.
Ramos, Rexford P.
Siccuan, Mark Nikolai A.
ATTY. LYDIA BUNDAC
Insurance, 2nd Semester
A.Y. 2015-2016