Summary

Portrait of Hugo Black Hugo Black Standard Oil Company of New Jersey v…

Therefore the subtleties and sophistries of tort liability for negligence are not to be applied in construing the covenants of a policy. It is one thing for the law to impose liability by its own notions of responsibility, and quite another to construe the scope of engagements brought and paid for. The law of marine insurance is concerned with and reflects the practicalities of commercial dealings. The law does not play an unreal metaphysical game of trying to find a single isolatable factor as the sole responsibility to which is to be attributed a loss against which insurance has been bought.
Source: Wikisource

Portrait of Hugo Black Hugo Black Standard Oil Company of New Jersey v…

For those insured and those insuring cannot predict with certainty what a trier of fact might decide is the predominant cause of loss. But neither could they predict with certainty what particular state of facts might cause a court to discover liability 'as a matter of law.' Long experience with the proximate cause method in American and English courts has at least proven it adaptable and useful in marine and other insurance cases. There is no reason to believe that its application in this case will disappoint the just expectations of insurer or insured.
Source: Wikisource

Portrait of Hugo Black Hugo Black Standard Oil Company of New Jersey v…

A warlike operation does not lose its warlike character because it is carried out negligently.
The only question before the Court is whether the collision was a 'consequence' of the warlike operation, or, in the jargon of insurance cases, whether the warlike operation was the 'proximate cause' of the collision. 'Proximate cause,' as a requirement of liability under an insurance policy, is not a technical legal conception but a convenient tag for the law's response to good sense.
Source: Wikisource

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