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.
The storm caused the telephone pole to collapse. Sparks caused by the short circuit of the wires ignited the warehouse, and the inventory burned out. The cause of the loss was the storm.