If a peril is specially excepted in a contract of insurance and there is a loss which would not have occurred but for such peril, such loss is thereby excepted even though the immediate cause of the loss was a peril which was not excepted.
Cal. Ins. Code § 532
Causes of Loss
Applied in 11 court decisions — leading case 48 Cal. 3d 395 - Garvey v. State Farm Fire & Casualty Co. (1989)
Most recently applied in 243 Cal. App. 4th 779 - Vardanyan v. AMCO Ins. Co. CA5 (December 2015)
Enacted by Stats. 1935, Ch. 145.
How often courts cite this section
Court decisions citing this, by year. The dip in the last several years is a data-coverage gap, not a real trend — our corpus holds fewer opinions from the most recent years, so recent citations are undercounted.
Official source: California Legislative Information. Reproduced from public-domain California statutes; confirm against the official source for the current text. Not legal advice.