What does But For Test mean? Read on to discover the definition & meaning of the term But For Test - to help you better understand the language used in insurance policies.
But For Test
In first-party property cases involving multiple perils, courts use the "but for" test to determine whether a given peril is a cause-in-fact of the loss. To do that, courts conduct a "thought experiment" and imagine what would happen if one of the perils did not occur. If the loss would have happened anyway with or without the occurrence of the removed peril, then the removed peril fails the "but for" test. What that means is that the removed peril is not really a cause-in-fact of the loss, so it cannot be selected as the proximate cause.
We hope the you have a better understanding of the meaning of But For Test.