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In legal usage in the English-speaking world, an act of God, act of nature, or damnum fatale ("loss arising from inevitable accident") is an event caused by no direct human action (e.g. severe or extreme weather and other natural disasters) for which individual persons are not responsible and cannot be held legally liable for loss of life, injury, or property damage.
Force majeure often includes events described as an act of God, though such events remain legally distinct from the clause itself. In practice, most force majeure clauses do not entirely excuse a party's non-performance but suspend it for the duration of the force majeure.
Insurance bad faith is a tort claim that an insured may have against an insurer for its bad acts, e.g. intentionally denying a claim by giving spurious citations of exemptions in the policy to mislead an insured, adjusting the claim in a dishonest manner, failing to quickly process a claim, or other intentional misconduct in claims processing ...
Perhaps you thought the medical treatment you recently received was covered by your health insurance and didn't give it a second thought. A few weeks later, however, you receive a letter from your...
A car insurance claim may be settled as soon as the same day for simple claims, like a glass claim for a broken windshield. However, a more complex claim with multiple vehicles and injuries may ...
In the Australian comedy film The Man Who Sued God (2001), a fisherman played by Billy Connolly successfully challenges the right of insurance companies to refuse payment for a destroyed boat on the common legal exemption clause of an act of God. In a suit against the world's religious institutions as God's representatives on Earth, the ...
Overdose with toxic or poisonous substances and injury of an athlete during a professional sporting event may void the right to claim too. Some insurance carriers will tailor their clients' coverage to include some of the above risks, but every such extension will be accompanied by increased premiums.
He informs his insurance company, which reviews and then subsequently declines his claim on the grounds that it is not liable as his fishing boat was destroyed due to an "act of God". Frustrated that his claim is repeatedly declined, Steve files a claim against God, naming religious officials (Christian, Jewish, Muslim, etc) as representatives ...