An act of God is an event caused by natural forces that cannot be controlled or prevented. Acts of God include:
If you incurred damages or injuries due to an event categorized as an act of God, your insurance might pay for some of the damage. Your homeowner’s, renter’s, and medical insurance may cover some of your costs. Some incidents require special insurance, however, and your homeowners insurance may not cover a particular event. For example, most homeowner’s insurance policies exclude coverage for earthquake damage. Thus, if you live in an area prone to earthquakes, you will need to have a separate policy.
However, just because the accident may have been caused by an act of God does not mean that there may not be someone else responsible for the damages. Carefully examine all facts of the accident to see if there is a responsible party. You may have a case for negligence, product defect, or construction defect even if the act of God contributed to the damage.
Many lawsuits connected with acts of God involve environmental damage by businesses transporting or storing hazardous materials such as chemicals or oil. Many lawsuits also involve people injured by destroyed or collapsed buildings.
Liability resulting from acts of God can be difficult to prove but are not impossible to pursue if you have been seriously injured. Speak with an experienced personal injury attorney to discuss your options and find out whether filing a lawsuit is recommended.
Last Modified: 04-14-2015 11:12 AM PDTLaw Library Disclaimer
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