Things To Know About Acts Of God Car Insurance Coverage Philippines

When it comes to the type of car insurance you can buy in the Philippines, you have quite a number of options you can choose from. One of the things you need to be protected from as a vehicle owner is acts of God. These are simply sudden, unexpected events that you cannot control or protect against. When it comes to car insurance, acts of god car insurance coverage Philippines sometimes refers to comprehensive coverage. Homeowners insurance also protects against some acts of God, for instance wind, with a standard policy, while others such as flooding require a special endorsement.

In the realm of insurance, acts of God are those events that occur outside of human control and cannot be predicted or prevented. This term is roughly analogous to natural disaster. Things such as severe weather, floods and earthquakes are all considered acts of God. However, the root cause of damage is what is considered in acts of god car insurance coverage Philippines. For instance, a fire that is caused by poor wiring is not act of God, but a fire that is caused by a lightning strike is an act of God. It is important to know that insurance policies do not use the phrase “acts of God”; They only describe specific events.

Typically, a comprehensive car insurance policy will protect against acts of God. However, ordinary collision and liability coverage may not offer this protection. If you come from an area that is prone to acts of God, it may be in your best interest to purchase comprehensive car insurance coverage. For instance, if you come from an area that is prone to storms, you may want to purchase comprehensive coverage so as to protect yourself against storm damage.

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