§ 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.