I instantly consented and the gentleman informed that a Major Claim had been preferred with them by their Insureds, wherein a Dumper-Truck, belonging to a 3rd Party Transporter, while carrying a Load into the Insureds' Factory, had very forcefully struck with the Pole of High Tension Electric-cables, installed within their premises, supplying Power to the Insureds' running Machineries.
Consequently, extensive damages were caused to the Insureds' Machineries in operation, while damages had also been inflicted on the Dumper-Truck.
1) The Loss being due to an Indirect consequence of the Impact of hitting of the Pole of High Tension Electric-cables by a Dumper-Truck and not due to Direct Hit to the Insureds' Machineries by the same Vehicle.
Within the afore-mentioned situation of the Loss, the Dumper-Truck was stated to have hit the Pole of the High-Tension Electric-cables which were in the course of supply of power to the Insureds' Machineries being in operation at the very time.
The afore-mentioned example, whereby the forceful Hit by the Dumper-Truck and the consequent instant/continuous/un-interrupted chain of events, leading to the Loss, as elaborated afore, in my opinion, may be construed as a perfect definition of the Concept of Proximate Cause of Loss or Damage in the Insurance Parlance.