Act Of God Insurance Claims

An act of god is an unusual extraordinary sudden and unexpected manifestation of the forces of nature which man cannot resist.

Act of god insurance claims. The bottom line is to clarify clarify clarify. Coverage for acts of god is not always straightforward and it is not usually in insurance company interests to make it so. If someone is affected by something like a flood or a lightning strike so the thinking goes their insurer will refuse to pay citing the clause in question. Insurance companies often limit or exclude coverage for acts of god.

Act of god insurance refers to any kind of insurance that protects against these events. When it comes to car insurance act of god insurance sometimes refers to comprehensive coverage. It s best to clarify with your agent exactly what your policy covers because among natural disasters an earthquake can be one of the most devastating events and one that a business enterprise would want to avoid. Many people still think insurance companies use the notion of a so called act of god as an excuse not to pay claims.

An injury caused by an act of god is an injury due directly. For homeowners insurance you re protected against some acts of god such as wind with a standard policy while others like flooding require a special endorsement. That is it applies to instances in which a person did not cause the damage your vehicle suffers. An act of god is a term used on many auto insurance policies.

This is exactly why you will want a skilled texas insurance claim attorney on your side to support your claim and get you the compensation you deserve. In legal usage throughout the english speaking world an act of god is a natural hazard outside human control such as an earthquake or tsunami for which no person can be held responsible an act of god may amount to an exception to liability in contracts as under the hague visby rules or it may be an insured peril in an insurance policy. If your insurance policy does not specifically state what an act of god is then it may be open for interpretation. An act of god is an uncontrollable event such as tornadoes not caused nor controlled by humans.

It defines instances causing an accident or damage beyond what man can create.