Which of the following is TRUE regarding a Concurrent cause involving perils both covered and non covered?
a. A concurrent cause is when two or more causes combine to produce a loss, where at least one cause is covered and at least one cause is not covered.
b. In a concurrent cause involving perils both covered and non-covered, the insurer may still be liable for the loss if the covered cause was a substantial factor in producing the loss.
c. The principle of concurrent causation is often applied in insurance policies to determine whether the insurer is responsible for covering a loss that was caused by multiple factors.
d. Determining coverage in a concurrent cause situation can be complex and may require legal interpretation of the policy language and the specific circumstances of the loss.