Does Car Insurance Cover Acts of God?

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  • What is it
  • Considerations
  • Coverage options
  • How to get
Comprehensive insurance policies provide the best protection for natural disasters—or acts of God.
If you don’t have comprehensive insurance, events that are out of human control will likely fall through the cracks in your insurance coverage. In fact, there are times when even comprehensive insurance could be limited.
Understanding your existing coverage and exclusions is the best way to make sure that you have the act of God car insurance you need, and Jerry is here to help.
The free-to-use intuitive insurance shopping app has put together the information that you need to understand act of God coverage so that your plan won’t fall short.

What is an act of God?

Legally speaking, an act of God is something that is outside of our control as human beings.
Car insurance companies will use the term to refer to natural disasters like earthquakes, volcanos, hail, windstorms, mudslides, and floods.
However, an act of God may also be something as simple as a tree falling on your car. These are the types of events that can’t be prevented by human interference, hence being called “acts of God.”
If you want to know if you have insurance coverage for natural disasters, be sure to review your insurance policy details carefully. Your car insurance will typically specify whether acts of God are covered or not.

Possible exclusions

Even if your insurance contract already covers you for specific acts of God, your act of God coverage might be limited depending on the circumstances surrounding the event.
This may be the case if your insurance provider decides that you did not take reasonable care to get your car out of harm’s way. Likewise, if the government did not take reasonable measures to manage a natural disaster, your act of God insurance coverage may not apply.

Special considerations

It is common practice for car insurance companies to use force majeure clauses to limit their liability or exclude acts of God from their coverage.
Most car insurance contracts will contain a lengthy list of exclusions. If you want to know where your existing coverage leaves you vulnerable, you will have to put on your reading glasses and familiarize yourself with these exclusions.
Once you know what you are missing, Jerry can help you upgrade your insurance policy quickly and painlessly.
If you’d rather leave the hard work of gathering quotes to someone else, use Jerry to do your insurance shopping for you. This free app can collect quotes from up to 45 top insurance companies in seconds and makes it easy to customize your policy options to find the most suitable plan to meet your needs.
If you have questions, Jerry has a knowledgeable team of representatives standing by ready to help—and can make sure that the act of God coverage you need doesn’t fall through the cracks.
It is common for acts of God to be excluded from car insurance policies, so read the fine print of your exclusions to determine if you have the coverage you need.

What are the coverage options for acts of God?

If you live in an area that is prone to certain types of natural events, investing in a comprehensive insurance policy will help maximize your coverage for acts of God.
Comprehensive insurance is designed to cover most acts of God that basic liability and collision coverage policies leave out. A standard comprehensive insurance policy will cover you up to your policy limit for weather events like floods, fire, hail, and earthquakes.
Although they are not acts of God, per se, comprehensive insurance also provides coverage for theft and vandalism.
Don’t wait until the last minute to get the act of God insurance you need to have though. Insurance companies may prevent you from upgrading your insurance to a comprehensive coverage plan if an extreme weather event is forecast.
Investing in a comprehensive insurance policy will help maximize your coverage for acts of God.

How to get insurance that covers acts of God

If you want to upgrade your policy with a comprehensive insurance plan, the intuitive insurance shopping app Jerry has got covered from start to finish.
You may be hesitant to switch plans or insurance providers because you’re worried about the work involved—but don’t be. Jerry does all the paperwork for you.
You’ll never have to print out anything, go to the post office, or get on the phone. Jerry will even let you know when your policy is up for renewal and take care of it for you.
Don’t miss out on the coverage you need and the savings you want because you don’t have time to shop around. Jerry handles it all. Really! Oh yeah … and did we mention it’s free?
This Jerry user was thrilled with their experience - rating the app five stars:
“Like picking candy out of a neighbors candy basket during Halloween, only the candies are the countless insurance companies brought on on a silver platter. You have the power to pick your company and customize your package. The Jerry app and their great representatives do the rest. No stress of going from one insurance site to the next. One app that provides everything in the palm of your hand”—Satisfied Jerry Customer

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