Do car insurance companies cover acts of God?

I'm reviewing my insurance policy, but don't see any coverage for acts of God. Do insurance companies normally provide coverage for this? Is there a type of coverage I need to add?

Answer
“Acts of God are defined as natural hazards that are out of human control. In most cases, natural disasters or damage resulting from natural disasters would fall under this term..
In your car insurance policy, acts of God would be covered under comprehensive coverage.
Comprehensive insurance covers damage from perils unrelated to collisions. This includes natural disasters like windstorms, hail, flooding, earthquakes and fires. You should check your policy to confirm whether you have comprehensive insurance or not.
Acts of God typically won’t be listed as a coverage, so you may have missed it in your policy. If don’t have comprehensive coverage currently, you can reach out to your insurance company directly to add it.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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