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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.
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 ...
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.
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 ...
Template documentation Usage This template's initial visibility currently defaults to autocollapse , meaning that if there is another collapsible item on the page (a navbox, sidebar , or table with the collapsible attribute ), it is hidden apart from its title bar; if not, it is fully visible.
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 ...
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Breaking the chain (or novus actus interveniens, literally new intervening act) refers in English law to the idea that causal connections are deemed to finish. Even if the defendant can be shown to have acted negligently, there will be no liability if some new intervening act breaks the chain of causation between that negligence and the loss or damage sustained by the claimant.