Insurance company call wreck no fault due to act of god clause.......has anyone ever heard of this?

Question

Insurance company call wreck no fault due to act of god clause.......has anyone ever heard of this?

Answer 1

An 'act of god' (a legal term) can be responsible for a loss. In the thousands of claims I have seen, I have never seen a case in which it would apply, but I could think of several potential examples. (Such as two vehicles stopped when a mud slide pushed one vehicle into the other.)

If you provide more details about your case, someone might be able to help you.

Answer 2

usually the blame for an accident can be attributed to one or more of the parties involved in the accident,for example if a driver ran a red light and crashed into another crossing on green.Some circumstances are nobody's fault however-for

example a tree falls on your car as you happen to be driving past,or the car is struck by lightning.These events are called "Acts of God" in insurance policies as they are not the result of peoples'actions and there is no blame.

Answer 3

Nope.  I've never seen an "act of God" clause in an insurance policy.  

For car accidents, someone is ALWAYS at fault.  For one vehicle accidents, it's the one vehicle's driver.   Period.  Some states, you can get the surcharge waived for extreme weather conditions - but it's STILL an "at fault" accident.

Answer 4

I'm imagining a rock fall, mudslide, lightning strike, flash flood, tsunami, earthquake, or tornado.

Answer 5

I think you've got the story garbled.

Answer 6

Wrecked doesn't mean collision, necessarily. A tree falling on the car? The car is taken in a tornado? Flooded?  Read your policy, that is where you will find your answer. good luck.

Answer 7

sure. more details on what happened?