第3部份：索償

正確答案 / Correct Answer: A

• 近因原則是保險的基本原則之一，用於確定導致損失的最直接、有效的主要原因（近因）。
• 若近因屬於保單承保的風險，保險公司須負責賠償；若近因屬於除外風險，則保險公司無須賠償。
• 例如：因地震（除外）引致火災（承保），近因為地震，若地震除外，則不賠。

• The Principle of Proximate Cause is one of the fundamental principles of insurance, used to identify the most direct, effective and dominant cause (proximate cause) of the loss.
• If the proximate cause is an insured peril, the insurer is liable; if it is an excluded peril, the insurer is not liable.
• For example: if an earthquake (excluded) causes a fire (covered), the proximate cause is the earthquake, and if earthquake is excluded, there is no coverage.

正確答案 / Correct Answer: C

• 保險事故發生後，投保人通常有以下責任：（1）及時通知保險公司；（2）採取合理步驟防止損失進一步擴大（「減少損失的責任」）；（3）保留損毀現場，不得在保險公司勘查前自行修復；（4）提供所有相關文件及配合調查。
• 不及時通知或蓄意擴大損失，可能影響索賠權利。

• After an insured event, the insured typically has the following duties: (1) notify the insurer promptly; (2) take reasonable steps to prevent further loss ('duty to mitigate'); (3) preserve the scene of damage and not repair before the insurer's inspection; (4) provide all relevant documents and cooperate with investigations.
• Failure to notify promptly or deliberately enlarging the loss may affect the right to claim.