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Acts of God
Wednesday, 28 October 2009 13:56
CarandHome_Car_ActsofGodYour car insurance policy may make provision for “Acts of God”, in the event that damage to your vehicle cannot be attributed to a person. Ignoring your religious views, the term is accepted to refer to any natural even that takes place autonomously (or without human intervention) and causes damage, such as storms, floods, tornados, tsunamis, volcanic eruptions etc.

If only the weather man and not a risk analyst predicts damage to your car, then it’s an “Act of God”. If poor maintenance of roads, for example, causes the accident, it’s not God. It’s the city and they can be held responsible through insurance processes.

Such natural and catastrophic events are usually excluded in your policy. If you live in an immoral area and would like these events to be covered, you can get the exclusion removed for an additional premium. Check if this is not included in your comprehensive cover first.

Not all storms, or natural events, however, are of the magnitude to be considered such an Act. If, for example, a poorly build building comes crashing down on your car during a light drizzle, the contractor responsible for the building will be held liable. Your insurer might opt out of pursuing that contractor, so hire a lawyer.

While such cover may not necessarily be completely beneficial for a South African motorist living in a dry, flat, non-coastal region, it may be beneficial for your travel insurance.
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