Capability of an insured individual to know beforehand or have possible anticipation that injury would be the result of a specific act or an absent act.
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UK: The test of reasonable foreseeability’ is applied in determining liability in the tort of negligence. The case known as the Wagon Mound (No. 1) made the rule that damage following negligence will not be too remote if it is reasonably foreseeable. Thus foreseeability not directness is the test but see egg shell skull rule.