What is an Act of God?

If you’re reviewing your car insurance policy, you may see the term “act of God” in it. While it may seem odd to find religion splat in the middle of your policy, there’s a good reason.

An act of God is some kind of damage to your vehicle caused by nature and unpreventable by humans. These can include:

• Hurricanes
• Tornadoes
• Hail
• Earthquakes
• Flood
• Fire

Coverage for acts of God fall under your Comprehensive coverage on your car insurance policy. Your insurance company will pay to repair or replace your vehicle if it falls under the acts of God as defined by your company once you pay your deductible.

Keep in mind that not all insurance companies consider the same natural disasters part of their act of God policy. If you live in Florida, where hurricanes are frequent, make sure you are covered in the event a hurricane damages your car.

If you live in an area where certain types of acts of God are common, like earthquakes in California or tornadoes in Kansas, read the fine print on your policy. If you are not covered for these types of natural disasters, consider buying an add-on policy to ensure coverage for these types of events. That way, should your car be damaged or demolished due to an earthquake, hail, fire or other situation, you know your vehicle will be repaired.

If you aren’t satisfied with the coverage your car insurance company offers for acts of God, consider switching companies. There are many car insurance companies offering competitive rates that do offer extensive acts of God coverage, so get a quick quote on CheaperCarInsurance.com to find the best one. Click “Get a Quote” at the top of this page to see what kind of coverage each company offers.