This is not a religious article. We are not looking to discuss Jonah and the Whale and other such Biblical events (unless the Whale happens to swallow a car). We mean “Acts of God” in terms of how auto insurance companies define them. That is, what exactly are Acts of God and what do they mean to your car insurance policy?
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What Is An Act Of God?
An Act of God is any act that was unforeseen and not preventable by humans. This is a large catch-all category used by insurance companies to try to encompass natural disasters without specifically naming each calamity. Thus, events like hurricanes, earthquakes, volcanic eruptions, hail storms, windstorms, lightning are considered to be Acts of God. These disasters are not under human control and are not preventable by human action.
Included in this definition is damage caused by wild animals. For instance, if your car happens to strike a deer on the highway, this would be considered an Act of God.
What Type Of Auto Insurance Covers Acts Of God?
Unfortunately, Acts of God are not covered under every type of car insurance policy. If you have liability insurance, you would not be covered for an Act of God. Liability insurance pays for damages to the other vehicle in a collision when you are at-fault. The damages to your car are not covered under liability. Every state in the country requires some form of liability coverage, however this insurance will also not pay if you car is damaged from an Act of God, like for example, a flood.
Collision insurance will pay for the repairs to your car when you are at-fault in an accident. However, this coverage is limited to only car accidents. Damages caused by another event, such as an Act of God, will not be paid for.
Comprehensive insurance, however, will pay for Acts of God. This is coverage is for losses not caused by a car accident. Included in this are: Acts of God, theft, vandalism, etc.
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Should I Get This Coverage?
Acts of God can occur at any time. You need to evaluate the worth of your auto and your personal financial situation. Does it make sense to get this extra coverage? Is your car worth it? Another consideration is whether you live in a disaster prone area. If you dwell in a coastal area subject to hurricanes, such as Florida, then it may make sense to consider it.
Looking To Be Covered For Acts Of God?
Does getting insurance to protect your vehicle from Acts of God make sense to you? If so, then it is a good idea to multiple insurance quotes. Simply fill out a quick online form and within minutes you will have a quote for comprehensive car insurance. Get multiple quotes and compare rates. Find the cheapest comprehensive insurance possible and protect your car from Acts of God. Start by entering your zip code in the box below.