Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Your car insurance may cover you from an “act of God” if you carry the right coverage
  • These acts are events that occur regardless of any level of prevention you may take; natural disasters are a good example
  • When these events occur, your car insurance policy may cover you if you carry the correct coverage and the loss falls within your policy definition of an “act of God”
  • If you live in an area prone to natural disasters or other “Acts of God,” you may want to speak to your insurance provider about your policy coverage
  • Losses that occur that are not clearly defined can open up a debate; debates regarding coverage often end for the provider

Car insurance is designed to help you recover from losses that you may not be able to handle on your own.

“Acts of God” are one particular instance that can be difficult to recover from after a loss occurs; these acts can include things like:

  • Wildfire
  • Lightning strikes
  • Tornadoes
  • Hail storms
  • Floods, etc.

If you carry the right coverage options and your policy language does not exclude them, then “acts of God” may be covered.

If you need better coverage in case of an “act of God,” compare at least three to four policies today to find the best rates for you! Enter your ZIP code above to get started!

What is considered an “Act of God?”


When you read through your car insurance policy, the phrase “Act of God” will most likely not appear.

However, this term is understood throughout the industry and usually means losses or loss events that cannot be prevented or avoided through risk mitigation methods.

Natural disasters are the most commonly used example.

An “act of God” can cover many common natural disastersThese loss events are frequently attributed to random chance or a higher power, meaning that you or another individual are not responsible for the loss and could not have prevented its occurrence.

As mentioned earlier, “act of God” is a phrase that you will not notice in your insurance policy; insurance policies tend to refer to potential losses as perils when explaining your coverage and any exclusions.

Your policy may not clearly define what types of natural events are covered and which aren’t covered, so checking with your provider is essential.

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Does your car insurance cover these losses?


Your car insurance may protect you when an “act of God” occurs, but you will need to have two things: the proper coverage and policy language that does not exclude the loss.

Comprehensive coverage, sometimes called “other-than-collision” coverage, is a policy coverage that protects from losses not related to colliding with a vehicle, an object, or your car flipping over.

Weather-related losses, theft, vandalism, animal-related losses, and even “acts of God” would fall undercomprehensive coverage.

This coverage is not a required option for car insurance, which means that you only carry this coverage if you choose to.

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Insurance providers often suggest it, but they do not require it. There may be exceptions to this coverage being optional, such as when you have a loan or lease on your vehicle.

The policy language in your car insurance can be another determining factor when it comes to a loss; policy language often defines what is covered and what is not covered.

When it comes to “acts of God” or natural disasters, you may not find those phrases listed in your policy language. It’s important to understand what specific perils are listed or excluded before a loss event occurs.

What should you remember about these losses?


Your car insurance policy is a combination of policy coverage options, terms, conditions, and exclusions. There are some important things to remember about any loss you may try and claim; this applies to all situations, not just “acts of God” losses.

The first key detail to remember is that you may have a deductible for your claim, which is the amount that you are responsible for in any covered loss.

The deductible is a portion of your loss that your insurance provider does not cover, which helps to lower the overall cost to your provider. It also helps ensure that losses below the deductible are not claimed, reducing time and personnel expenses on behalf of the insurance provider.

“Acts of God” are often natural disasters, which can be catastrophic loss events for you and other policyholders. Depending on the loss that occurs, you may need to work through the claim resolution process through different channels.

Sometimes catastrophes can impact providers on a massive scale. Your claim would get handled along with several other claims filed by their policyholders.

Make sure to contact your insurance provider when a natural disaster loss occurs, so you can determine if there’s unique handling required for your claim. If you fail to report a loss within the proper amount of time, your provider may deny coverage or reject your claim submission.



Your car insurance can protect you from many different losses, including “acts of God,” that occur when you’re driving or when your vehicle is parked.

Before you assume your policy protects you from these losses, it’s important to understand your policy coverage and what it provides.

Different insurance providers look at “acts of God” through different points of view since natural disasters can vary and some providers have different policy terms included in your coverage to define this. When a loss does not fall within these realms of definition, it can lead to discussions about if your loss if covered or not.

If you have questions about your loss coverage, speak to your insurance provider before an “act of God” occurs. When discussing your coverage with them, make sure to ask pertinent questions to understand your policy fully.

Asking questions can help you determine if your policy meets your needs. You can use this as an opportunity to decide if you want to look at getting coverage quotes or purchasing a policy through another provider.

Looking for better car insurance? Enter your ZIP code above and start comparison shopping today!