Act Of God Insurance

Generally you will not see the phrase act of god in policies and perhaps not.

Act of god insurance. 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. An event that directly and exclusively results from the occurrence of natural causes that could not have been prevented by the exercise of foresight or caution. In terms of insurance an act of god is an act of nature that couldn t have been foreseen or avoided. 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. An act of god is an uncontrollable event such as tornadoes not caused nor controlled by humans. This is a peril terminology found in ocean and inland marine policies. Where no blame can be assigned to a person.

It describes an event. Act of god an accident or event resulting from natural causes without human intervention or agency and one that could not have been prevented by reasonable foresight or care for example floods lightning earthquake or storms. When it comes to car insurance act of god insurance sometimes refers to comprehensive coverage. Courts have recognized various events as acts of god tornadoes earthquakes death extraordinarily high tides violent winds and floods.

That couldn t have realistically been prevented. What is an act of god.