According to the principle of proximate cause, the insurer shall bear insurance liability for the loss caused by the insured accident within the coverage as the direct and closest cause, and shall not be liable for the loss caused by reasons outside the coverage. According to this principle, the liability does not depend on the proximity in time or space, but on whether the risk accident leading to the loss of the subject-matter insured is within the coverage. If there are multiple causes leading to insurance losses, the most direct, effective and decisive cause and the inevitable cause of accidents are proximate causes.
According to the above definition, which of the followings is not a proximate cause.
Zhang accidentally fell while hunting at night, and died of pneumonia caused by a cold while waiting for rescue. The cause of his death was the fall.