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近因原则是海上保险的一项重要原则,为世界多数国家所接受。近因应当是效果上最为显著的原因,并且在判断标准上应当采用“常识标准”。海上保险事故致损原因多复杂,当存在多因致损的情况时,英国与挪威分别选择了“全有或全无”的标准与比例赔偿责任方式。
The principle of proximate cause is an important principle of maritime insurance and accepted by most countries in the world. Proximity should be the most significant cause of effect, and should be used in the judgment criteria “common sense criteria ”. The reasons for the damage caused by marine insurance accidents are complicated. When there are many cases of damage, Britain and Norway respectively choose the “all or nothing” standard and proportional liability methods.