The Judgement of Causality of an Injury Insurance by a Competition of Multiple Causes: Commands on the Appealed Summary Proceeding of Insurance Judgement No. 11 in 2016 in Taiwan High Court
If there are multiple causes as causalities to an insured accidental injury, and one of these could not be the most important but necessary cause, it could not be eliminated from the causality, even though its effect is lower than others. Instead, all of the causes should be judged. Otherwise the insurance carrier could assert that it is not the object of insurance and there is no responsibility to pay the insured amount as the consequence. It would be against the aim of the injury insurance.