{"data":{"id":"us-nd/n.d.-cent.-code-26.1-32-03","jurisdiction":"us-nd","citation":"N.D. Cent. Code § 26.1-32-03","heading":"Insurer not liable for excepted peril","body":"When a peril is excepted specially in an insurance contract, a loss which would not have occurred but for that peril is excepted although the immediate cause of the loss was a peril which was not excepted. An insurer may contract out of the efficient proximate cause doctrine.","path":["Title 26.1 Insurance","Chapter 26.1-32 Loss And Notice Of Loss"],"source_url":"https://ndlegis.gov/cencode/t26-1c32.pdf","current_through":"2026-07-31T11:12:02","vintage":"","retrieved_at":"2026-09-02T21:04:14Z","sha256":"ea66bb36e5fd766aaef4a69fa6e841ce4ec1d9e0d82d90d23d5e8035cbd47fbf","source_id":"us-nd","stale":true,"prev":"us-nd/n.d.-cent.-code-26.1-32-02","next":"us-nd/n.d.-cent.-code-26.1-32-04"},"notice":"GroundRules: Original legal text. Not legal advice."}