Lesson Notes By Weeks and Term - Senior Secondary 1

Term – 2^nd Term

Week: 4

Class: Senior Secondary School 1

Age: 15 years

Duration: 40 minutes of 2 periods each

Date:       

Subject:      Insurance

Topic:-       Proximate cause

SPECIFIC OBJECTIVES: At the end of the lesson, pupils should be able to

1. Define proximate cause and state its principle
2. Discuss how to determine proximate cause
3. State the effects of proximate cause on claims
4. Outline the classes of insurance perils

INSTRUCTIONAL TECHNIQUES: Identification, explanation, questions and answers, demonstration, videos from source

INSTRUCTIONAL MATERIALS: Videos, loud speaker, textbook, pictures

INSTRUCTIONAL PROCEDURES

PERIOD 1-2

PRESENTATION	TEACHER’S ACTIVITY	STUDENT’S ACTIVITY
STEP 1 INTRODUCTION	The teacher reviews the previous lesson on utmost good faith	Students pay attention
STEP 2 EXPLANATION	He defines proximate cause and states its principle He discusses how to determine proximate cause	Students pay attention and participates
STEP 3 DEMONSTRATION	He states the effects of proximate cause on claims He further outlines the classes of insurance perils	Students pay attention and participate
STEP 4 NOTE TAKING	The teacher writes a summarized note on the board	The students copy the note in their books

 

NOTE

PROXIMATE CAUSE
This is a situation whereby an insurer will only compensate the insured when the insured suffer a loss that directly affect the item that was agreed to be covered.

PROXIMATE CAUSE:- this principle states that the actual cause of loss or damages must be ascertained because it has to be what was insured against. If the immediate cause of loss or damages is not what was insured against, insurance company will not be held responsible for compensation. For example, if a car was insured against accidents which was the reason for the policy, but theft which the car was not insured against with the company because of this, insurance company will not pay any compensation.

DETERMINING PROXIMATE CAUSE

Determine the proximate cause of an event depends on the space and other factors to be considered. For example an insurance company insure a house against fire on the day a loss occur to the house, there was fire and nobody knows the cause of the fire will the insurance company pay? the question is yes as the main cause of the loss is fire.

EFFECTS OF PROXIMATE CAUSE ON CLAIMS:-

1. Proximate cause brings about different in claims and loss incurred by the insured.
2. The insured can claims more than necessary due to the effect of proximate cause.
3. It adds more to the insurer liability.

APPLICATION OF SIMPLE CLAIMS

A simple claim process is one of the important benefits that a good insurance companies offer its policy holders. The process enables the insurer to redeem the claims of is customer as stated in the agreement it then makes their business relationship a worthwhile one.

CLASSIFICATION OF INSURANCE PERILS

1. THE INSURED PERILS:- the insured Perils at those insurance Perils which are insurable and their facts are disclosed and stated in the insurance contracts and insured Perils example are accident, burglary, fire and motor etc.
2. THE UNINSURED PERILS:- the uninsured perils are those insurance Perils which are not mentioned or stated in an insurance contracts. Insurance companies don't pay claims on perils which are uninsurable and not stated in an insurance contracts. e.g smoke, water, snow etc
3. THE EXPECTED PERILS:- the expected Perils and known has excluded Perils, expected Perils ,can be mentioned in an insurance contract but are expected ( not compensated for) in the event of hazard e.g of expected Perils are not strike, flood etc.

EVALUATION:    1. Define proximate cause

2. State the effects of proximate cause on claims
3. Discuss how simple claims can be applied
4. Outline the classes of insurance perils

CLASSWORK: As in evaluation

CONCLUSION: The teacher commends the students positively