The principle of proximate cause is that the insurer assumes insurance liability for losses caused by the insured incident that is the direct and closest cause, and is not liable for losses caused by causes outside the scope of insurance. According to this principle, liability is not It depends 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 cause of 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.", 'Storm call pole collapsed, a short circuit caused sparks to ignite the warehouse, inventory goods burned out, and the loss was due to the storm.', 'Water entering the ship, the water contained in the leather rots, and the rotting odor causes the tobacco in the adjacent cabin to deteriorate. The reason for the damage to the ship is the water entering the ship.']