anti-concurrent cause (ACC) provision
A term in a first-party policy that indicates that a loss caused by a combination
of covered and excluded causes of losses will not be covered. An ACC provision,
as it is commonly abbreviated, applies in either sequential-cause situations,
where the first event sets in motion a chain of events that causes a second
event that causes the loss, or concurrent-cause situations, where two or more
causes of loss happen simultaneously to produce the same injury or damage. If
any cause of loss falls within the terms of a policy exclusion that is accompanied
by ACC language, the loss will be excluded, regardless of whether another unexcluded
cause of loss qualifies as the "proximate cause" under the jurisdiction's common
law rules.
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