The proximate cause is that the insurer assumes insurance liability for the loss caused by the insured accident as the direct and closest cause, and is not responsible for the loss caused by the cause outside the insurance scope. According to this principle, the liability and It does not depend on the proximity in time or space, but on whether the risk accident leading to the loss of the subject-matter insured is within the scope of coverage. If there are multiple reasons for the loss of insurance, the most direct and effective is the determining factor, And the reason for the unavoidable accident is the proximate cause. According to the above definition, Which of the following reasons are not proximate:. ['Zhang accidentally fell while hunting at night, and died of pneumonia caused by a cold while waiting for rescue. The cause of his death was a fall.', "Wang's insurance vehicle suffered from heavy rain soaking into the cylinder, and the engine was damaged when he forced to start the vehicle. The reason for the damage was heavy rain.", 'the storm call pole collapsed, the short circuit caused the spark to ignite the warehouse, the goods in stock were burned out, the loss principle was the storm.', 'the water entering the ship, the leather contained in the water is rotten, and the rotting stench causes the tobacco in the warehouse to deteriorate.']