What term describes the unbroken chain of events leading from a negligent act to damage sustained?

The term that describes the unbroken chain of events leading from a negligent act to damage sustained is known as the proximate cause of loss. This concept is critical in both insurance and legal contexts, as it establishes the direct link between an action (such as negligence) and its resulting consequences (the damage).

In insurance, proving proximate cause is essential for determining whether a claim will be paid. If an insurer can demonstrate that the damage was directly caused by a covered event or negligent act, they are more likely to honor the claim. This principle ensures that claims are assessed based on clear causality rather than circumstantial factors.

Understanding proximate cause helps agents and policyholders alike grasp the responsibilities and coverage within an insurance policy, ensuring that claims are processed fairly and accurately based on the established connection between events. Other terms presented do not specifically address the chain of events aspect or link actions directly to the damage incurred, thus highlighting why proximate cause is the appropriate term in this context.