Does Car Insurance Cover Acts of God?

It can feel pretty ominous when you hear the term “acts of God.” However, that is common language used in insurance policies to refer to incidents that occur over which humans have no control. Think tornadoes, hurricanes, hail, wind, lightning, floods, and even volcanic eruptions. These are the types of natural disasters that are considered “acts of God.”

But does your car insurance cover acts of God? Most comprehensive policies have provisions for acts of God, but if you only carry liability insurance you will probably have to pay out of pocket if a tree falls on your car.

Also included in most acts of God definitions is damage caused by colliding with an animal that wandered into the path of your car. This means that if you hit a deer or a moose, you will most likely be covered as long as acts of God are specified in your auto insurance policy.

Collision insurance can also come into play to cover natural disasters, especially if something strikes your vehicle during a storm or other natural event. Collision may also help out if you hit an animal. However, be careful, because if you hit another car while trying to avoid your neighbor’s dog your policy may not cover it because it could be hard to prove, especially if Fido made it to safety.

Most comprehensive policies have provisions for acts of God, but if you only carry liability insurance you will probably have to pay out of pocket if a tree falls on your car.

If you live in an area prone to certain types of natural disasters, like tornadoes, your insurer may require you to carry extra insurance if you want to be covered for damage incurred during a twister. Make sure to do the research about your area and ask before signing up for a policy that may not have enough coverage to protect you.

Keep in mind that the coverage provided for damage done to your car during an act of God is typically based on your car’s current value. If your car is older and doesn’t have a high market value, the extra cost for a comprehensive or collision policy may not be worth it, especially if the cost of the damage is close to the amount of your deductible.