Act of God

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nobbie48

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In light of Super Storm Sandy would a submerged motorcycle be covered? The "Act of God" seems to be a pretty broad brush. What is included in an Act of God. House, business, vehicles etc?

Sorry should have posted in insurance. Can a mod please move the post.
 
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I think it would depend on your policy and how much coverage you're paying for. I know that the folks who died in the Mandatory Evacuation Areas and Hurricane Warning Zones lost their life insurance, because staying in those areas voided their policy.

There was a family on the news begging for donations, because they didn't have any money to pay for a hole in the ground.
 
iFly55 said:
I know that the folks who died in the Mandatory Evacuation Areas and Hurricane Warning Zones lost their life insurance, because staying in those areas voided their policy.
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Damn that is some cold ****
 
AF4iK said:
Damn that is some cold ****
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Can't believe they're allowed to do that. Imagine the conversation with the family "Sorry, your father died in the wrong spot, so we're gonna pocket all the money he's given to us to date, and you're SOL. Next time someone needs to die, make sure you verify it's in the right location before initiating the death process"

F*cking insurance companies.. Line up the owners and I'll happily chop their nuts off and feed it to em with sauteed onions.
 
Wonder where the personal responsibility crew is...
 
iFly55 said:
I think it would depend on your policy and how much coverage you're paying for. I know that the folks who died in the Mandatory Evacuation Areas and Hurricane Warning Zones lost their life insurance, because staying in those areas voided their policy.

There was a family on the news begging for donations, because they didn't have any money to pay for a hole in the ground.
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The American safety net has far bigger holes than we do and uninsured and underinsured vehicles and homes don't surprise me. The loss of life insurance coverage is not unlike suicide if one chooses to stay in a lethal situation. Also the "Where there is life there is hope." thing.

It really hurts and sounds cruel when someone has to beg in a situation like this but look at the deeper consequences. If people ignore evacuation notices more first responders end up at risk. If you have adequate insurance you don't have to defend your property with your life. When people use bad judgement they put their families at physical and financial risk. The enormity of this event makes us forget the Darwin factor.

Individual circumstances obviously come into play. Was the home / family ravaged by the recent economic fall out? If so we're talking politics and their democratic choices. I'll keep out of that discussion.

I truly feel sorry for those particular victims but I can't afford to bail out all the people that fell into misfortune after using good judgement.
 
DOHC1 said:
Can't believe they're allowed to do that. Imagine the conversation with the family "Sorry, your father died in the wrong spot, so we're gonna pocket all the money he's given to us to date, and you're SOL. Next time someone needs to die, make sure you verify it's in the right location before initiating the death process"

F*cking insurance companies.. Line up the owners and I'll happily chop their nuts off and feed it to em with sauteed onions.
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I'm sure its somewhere in the paper work. You cant kill yourself and claim the policy....I would assume that if you willingly put yourself in a life threatening situation they would void the policy as well.
 
DOHC1 said:
Can't believe they're allowed to do that. Imagine the conversation with the family "Sorry, your father died in the wrong spot, so we're gonna pocket all the money he's given to us to date, and you're SOL. Next time someone needs to die, make sure you verify it's in the right location before initiating the death process"

F*cking insurance companies.. Line up the owners and I'll happily chop their nuts off and feed it to em with sauteed onions.
Click to expand...

Last I checked my car insurance doesnt cover me in mexico, my Ohip medical coverage doesnt cover me when going to the usa, etc etc.
 
To the OP, yes if as a result of a storm your bike got submerged it would be covered under the comprehensive section of your policy.
 
Devil is always in the details. Before the storm hit, residents were told to evacuate. It's apparent it's about limiting insurance payouts, if you stay they void your insurance. I know from experience. I was on road that became closed because of snow. I got stuck from going around someone blocking the road. I called CAA and they won't attend to you if a road is closed. Fortunately, farmer with his tractor pulled me out. Also, I bet if something happens to your car on a closed road, this also could be an out for the insurance company.
 
Also, I bet if something happens to your car on a closed road, this also could be an out for the insurance company.[/QUOTE]

Not true, there is no exclusion in the policy for driving while off road, or on a closed road (save for some situations like a race track, but even that's become a blurry line with recent case law).

Now, if you were four wheel driving in your Jeep and drove through a river the insurance company may argue that's not an "accidental" loss and may deny your claim. Which, by the way I agree with. If a person chooses to go off roading and either submerges their Jeep, or flips it because they got too aggressive I would prefer my insurance premiums not go toward that persons claim. Just my opinion though.
 
what exactly are "Acts of God" as far as insurance is concerned?
 
01cbr said:
I'm sure its somewhere in the paper work. You cant kill yourself and claim the policy....I would assume that if you willingly put yourself in a life threatening situation they would void the policy as well.
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I thought that always voided the policy if you committed suicide...
 
Act of God = Noah bringing the rain.


1351601244_russell-crowe-article.jpg


We're gonna need a bigger boat.
 
Platinum Cycle said:
Also, I bet if something happens to your car on a closed road, this also could be an out for the insurance company.
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Not true, there is no exclusion in the policy for driving while off road, or on a closed road (save for some situations like a race track, but even that's become a blurry line with recent case law).

Now, if you were four wheel driving in your Jeep and drove through a river the insurance company may argue that's not an "accidental" loss and may deny your claim. Which, by the way I agree with. If a person chooses to go off roading and either submerges their Jeep, or flips it because they got too aggressive I would prefer my insurance premiums not go toward that persons claim. Just my opinion though.[/QUOTE]


Also if you decide to drive with your car or truck out on the ice of a lake to do some ice fishing and you go through , all your car and life insurance is null and void.
Happens a lot on Lake Simcoe.
 
BusaBob said:
what exactly are "Acts of God" as far as insurance is concerned?
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"act of god" isn't used anymore. It's weather conditions, road conditions, or "specific perils"

"act of god" could make a dude drink 12 beers before driving over your neighbors kid.
 
Platinum Cycle said:
Also, I bet if something happens to your car on a closed road, this also could be an out for the insurance company.
Click to expand...

Not true, there is no exclusion in the policy for driving while off road, or on a closed road (save for some situations like a race track, but even that's become a blurry line with recent case law).

Now, if you were four wheel driving in your Jeep and drove through a river the insurance company may argue that's not an "accidental" loss and may deny your claim. Which, by the way I agree with. If a person chooses to go off roading and either submerges their Jeep, or flips it because they got too aggressive I would prefer my insurance premiums not go toward that persons claim. Just my opinion though.[/QUOTE]

Hmm with both my last two insurance companies I had to agree that I would not be taking my vehicles offroading or to any kind of racetrack or any competition event. Not that I wouldn't but I wouldn't inform them of it and I wouldn't make any claims anyway so I don't see how it's their business. I guess it's because people like to take their cars to the track, total them, and then try to claim someone hit them? As soon as I did anything like that with any of my vehicles I would assume my insurance is out the window.
 
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