Proximate cause: The first cause in an unbroken chain of events leading to a loss. The cause without which the loss would not have occurred.

• 按照近因原则，如果有两个以上造成损失的原因，并且，各原因之间的因果链未中断，那么，最先发生并造成一连串事故的原因，即可被认为是损失的近因。