Because the vacancy of the proximate cause principle in our insurance law, the judge dare not to adopt the proximate cause principle in the judgment, and leads the confusion in using the principle.

• 然而，由于我国保险立法没有明确规定，法官不会或不敢在裁判文书中适用近因原则，造成了一些保险纠纷案件的疑难或说理不清，最终导致在实践中适用的混乱。