A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

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Usually a part of comprehensive car insurance, this coverage protects a car owner in case their car is damaged by an Act of God. An Act of God, also called an act of nature is a term widely used in the car insurance industry to describe any vehicle-damaging event that is beyond human control.

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Usually implying natural disasters, Acts of God have no human component of blame. When the situation is completely unforeseen and therefore, unavoidable, blame cannot be apportioned to any one individual or individuals. In such cases, when there is no one’s liability to draw upon for coverage for all or any damage, motorists need comprehensive insurance to get reimbursed for damages sustained by their car, their passengers and themselves.

What are common acts of God?

According to the National Association of Insurance Commissioners & The Center for Insurance Policy and Research, an Act of God is an unpreventable accident or event that is the result of natural events. So if your car is damaged by a falling tree that was uprooted by a hurricane, you are talking about a classic Act of God.

Similarly, any damages caused by oversized hail, massive snowstorms, whirling tornadoes, tumultuous floods, shattering hurricanes, lightning strikes, unprecedented tsunamis or raging fires fall under the umbrella of Act of God.

And the damage can be enormous. According to an MSN Money report on the ten most destructive natural disasters since 1980, the numbers are overwhelming. Quoting the National Weather Service and Insurance Information Institute, the article states that the damage was over $501.1 billion, and was caused by hurricanes, droughts, floods, and earthquakes, among others.

Besides natural disasters, other events also fall under the Act of God provision.

For instance, if an animal were to appear in the path of your car and you swerve to avoid it and cause damage, this would also fall under the Act of God category. Insurance companies assume that a driver would usually not have enough time to react to such a situation that could potentially result in a collision and therefore, would not hold him or her liable for it.

While comprehensive car insurance will cover most of the above-mentioned calamities, it is prudent to read your insurance policy carefully and educate yourself about all covered and non-covered Acts of God. There are often provisions stating that you must take reasonable care to protect your vehicle, and this can be broadly interpreted.

A working knowledge of the provisions in your auto policy will come in handy in case of unexpected damages caused by any natural disaster that impacts your car.

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What types of insurance cover acts of God?

It is also important to remember that each state and each insurance company defines Act of God coverage differently. The specific definition and terms of coverage of your individual automobile insurance policy will determine allowable claims.

So make sure you talk to your insurance agent or consult your state’s insurance regulator to get a clear definition of Acts of God and the associated coverage required. This will ensure that you have all the coverage you want or give you the option of seeking additional coverage in case of any exclusion.

How are acts of God interpreted?

Definitions of Acts of God can vary subtly, depending on the state and insurance company. Additionally, there are some areas of fuzziness when it comes to interpreting the policy terms and placing liability.

For instance, a hurricane is indisputably an Act of God. However, if you choose to drive during a hurricane, your provider might not cover an insurance claim for flood damage under the Act of God provision. This is because you chose to drive your car during inclement weather leading to the damage, making it a human act. You did not take reasonable care to protect your vehicle.

Similarly, opening your car door during a nasty windstorm resulting in it being ripped out may leave the driver liable for damages since the decision to open the door is considered human action.

In other words, make sure you understand the various terms and conditions of your insurance policy to avoid unpleasant surprises.

Homeowners insurance policies also cover acts of God. However, just like with auto insurance, you will need to look closely at your policy for the details. The standard home insurance policy often includes exclusions for flood and earthquake damage.

If your homeowners policy contains such exclusions, you will need to buy separate flood insurance and/or earthquake insurance if you want this kind of coverage. If you’re not sure what is or isn’t covered on your policy, talk to an agent from your insurance company.

How much does it cost to protect against acts of God?

Auto insurance companies address the issue of possible damage from unexpected events like acts of God in their policies. In most cases, if you have comprehensive car insurance, you will be covered against damages caused by reasons beyond human control.

The cost of such coverage will vary depending on the state, the individual policy, as well as the auto insurance provider offering the policy.

Your location can also play into the cost. For instance, the cost of comprehensive auto insurance in California might be higher since insurance companies have to factor in the high incidence of earthquakes into their calculations.

While acts of God falls under your comprehensive car insurance in most places, you might look into additional coverage to protect yourself if you live in high-risk areas that are prone to certain climactic devastation. For instance, damage by hurricanes might be excluded in Florida, given the high likelihood of such an event.

Since certain insurance companies might have exclusions depending on your geographical location, look into your options. Most of these exclusions can be covered by taking out a rider to the policy.

If you do not have comprehensive coverage, you should be aware that sometimes car insurance companies could use an act of God reason to deny restitution, even if the other driver is at fault.

For instance, if a driver skids on black ice and hits your car, the other car’s insurance company might claim an Act of God and refuse your claim. In such cases, you might have to take the other driver to court or make a claim against your own insurance company, which will push them to pursue the other insurance company and the at-fault driver.

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Understanding Act of God Coverage

Every insurance policy comes with certain exclusions. In the case of Act of God, most of the above-mentioned violent acts of nature are protected by comprehensive car insurance but not by collision or state-mandated liability coverage.

It is also important to know that your premium is not likely to rise if you were to make a claim because of damage caused by an Act of God since they are deemed unavoidable and there is no fault to be apportioned.

However, flash floods and lighting strikes are usually excluded from Act of God coverage in comprehensive plans. This is especially important if you live in a flood or hurricane prone area. Another aspect that might be difficult to be assigned as Act of God is contamination from a biological or chemical agent.

Also, remember that any personal property kept in the car that is damaged or demolished during the claimed event is not covered under the Act of God portion of comprehensive coverage. They might fall under homeowners insurance or renters insurance, if you have them.

The Act of God Coverage: Who Needs It

Comprehensive car insurance is activated when the damage to your car is not caused by a collision. In other words, it covers all forms of damage caused to your automobile, from theft to an errant baseball, as well as, Acts of God. So go to Kelley Blue Book, and determine the cost of your car. This will help you decide if you need to get comprehensive automobile insurance.

However, if you are the proud owner of a spanking new expensive car, it is imperative that you have comprehensive coverage. Similarly, if you owe a lot of money on your car loan, it makes sense to buy comprehensive coverage. In fact, most financial institutions making car loans require comprehensive coverage as a pre-requisite to any loan applications.

Also, if you live in a disaster prone area, it makes perfect sense to get Act of God coverage. A Fox Business article on Act of God coverage, focuses on the deadly tornadoes that destroyed large parts of Joplin, Mo., in May 2011. The article cites statistics from the Missouri Department of Insurance (MDI) that 6,530 personal auto claims totaling $54,310,402 had been settled till November 2011, with millions more still in process.

The total damage from the tornadoes in Missouri was approximately $2.8 billion. Similar devastation can be wreaked by other disasters such as hurricanes and snowstorms, among others. So make your calculations and factor in the potential risks before making your automobile insurance decision.

Act of God coverage is a very good idea if you drive an expensive car, irrespective of its age or its term of ownership. In other words, even if you own the car outright, it makes sense to carry comprehensive insurance on an expensive car.

How can you get act of God auto insurance coverage?

The internet has made it very easy to get information about different forms of car insurance today. Not only is it easy to do armchair research, you are also likely to get approval within minutes. Just make sure that you thoroughly understand all the terms and conditions stated under your policy.

Additionally, make sure that whatever insurance company you are choosing to get comprehensive automobile coverage from, including provisions for acts of God, is a legitimate operation.

In addition to looking at price, you should check out any prospective insurer’s financial strength ratings and customer service ratings. This way you’ll know you’re investing your money with a company you can trust.

Whether you have a new car or an expensive one, enter your ZIP code in our FREE search box found here and we will send you a list of well-researched offers from reputable car insurance companies!