Bharti AXA INSURANCE GLOSSARY Act Of God An act of God or force majeure is any event that is outside the control of humans and unaffected by human activity. It usually refers to natural calamities like an earthquake or floods. An act of God refers to events that cannot be foreseen or prevented. An act of God does not imply a lack of liability. For example, if a dilapidated building collapses in an earthquake injuring by-standers, the owners of the building would be liable for damages as they did not take responsible care and failed to maintain the structural integrity of the building. Acts of God may be an exception in indemnity contracts, or some of them may still be an insured peril. For example, motor insurance policies generally covers various acts of God under comprehensive coverage. Though the policy terms does not use the term acts of God, and instead names various perils that are covered – like earthquake and floods. That said, the insurers will not pay if an alternate cause of the damage is found out. For example, if a tree on your property is uprooted during a storm and falls on your car, the damages would typically be covered. However, if the tree was rotten and should have been cut down, the cause of the damage was your own negligence and the insurer may not pay the damages. Request Call Back Category * - Select -CarTwo WheelerHealthTravelPersonal Accident Buy Renew Claim submit Related Posts Disclaimer : The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.