What Is Act Of G-d Car Insurance?
Car insurance companies can use what is stated in a policy to determine if a claim for damage that occurred due to an Act of G-d would be covered.
Most people, when purchasing car insurance for their car, do not pay much attention to what is covered if their vehicle is damaged. They assume that if any damage occurs that their insurance company will pay for the repairs. However, depending on how a vehicle is damaged determines whether the repairs are covered under most insurance policies.
The Hurricane Did It
What is covered under Acts of G-d car insurance varies depending on where a person lives and their policy. The basic definition of an Act of G-d is a natural event that occurs beyond human control or influence. Examples of these incidents include hurricanes, floods, tornadoes, and earthquakes. However, a driver must keep in mind that how the damage occurs is just as important as the event that causes the damage. For example, while any damage that occurs during a hurricane would usually be covered, if a person were to drive their vehicle during a storm and a tree falls on it than any repairs required may not be paid for by their car insurance company.
Comprehensive Coverage Says It All
Any claims due to an Act of G-d would fall under the comprehensive portion of an insurance policy. Damages would be covered up to the fair market value of the vehicle, if there is a total loss. In cases where a car could be repaired, a driver must pay their deductible while the insurance company is responsible for the difference. Therefore, depending on where a person lives, it may be wiser to have a lower deductible. However, a driver must bear in mind that having a lower deductible means that while there are less out of pocket costs, there may be higher premiums.
All Cars Are Not Covered For Acts of G-d
Unless a vehicle is leased or financed, comprehensive coverage is usually not included in a policy. Most car insurance companies require a driver to purchase full coverage in order to be protected against Acts of G-d. Insurance companies tend to vary which Acts of G-d are included, depending on where a person lives. Therefore, it is important that a driver know exactly what the comprehensive portion of their policy covers.
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