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.