Thread: Lightning and a RRS - Does not end well for the RRS systems

Originally Posted by discowhite

what the chances of that happening!!!
would they class that as an act of god?


cheers phil

I often wonder where this act of God thing comes from when discussing insurance, it is a myth and doesnt exist as a clause in any motor or home insurance policy in Australia and never has as far as I have seen and ive looked at thousands of policies from the first one issued in Aus to the most recent that came in the mail.

A tree fell on my D1 in a Defence carpark about 12 years ago - the insurance company had no issues paying even though it was an 'act of god'.

Defence had stopped trimming the tree and removing dangerous limbs because the Greenies lobbied Defence about destroying parrot habitat. I submitted a claim to Defence to recoup my out of pocket expenses such as the insurance excess but ultimately my legal advice was that it was "an act of god" therefore negligence cannot be shown.

Interestingly trimming of the trees restarted the day after I lodged my claim.

So insurance companies cannot dodge 'an act of god' claim but if you sue for negligence and it is deemed an 'act of god' you get no where.

Garry

A tree fell on my D1 in a Defence carpark about 12 years ago - the insurance company had no issues paying even though it was an 'act of god'.

Where did the idea that insurance companies do not pay on "an act of God"
There would not be a hail damage claim if that were true.

BUT the stinger is that you lose your no claim bonus because the other guilty party cannot be "identified". It is hard to sue God for the money.

Regards Philip A

Originally Posted by PhilipA

Where did the idea that insurance companies do not pay on "an act of God"
There would not be a hail damage claim if that were true.

BUT the stinger is that you lose your no claim bonus because the other guilty party cannot be "identified". It is hard to sue God for the money.

Regards Philip A

Billy gave it a good go...

Originally Posted by garrycol

A tree fell on my D1 in a Defence carpark about 12 years ago - the insurance company had no issues paying even though it was an 'act of god'.

Defence had stopped trimming the tree and removing dangerous limbs because the Greenies lobbied Defence about destroying parrot habitat. I submitted a claim to Defence to recoup my out of pocket expenses such as the insurance excess but ultimately my legal advice was that it was "an act of god" therefore negligence cannot be shown.

Interestingly trimming of the trees restarted the day after I lodged my claim.

So insurance companies cannot dodge 'an act of god' claim but if you sue for negligence and it is deemed an 'act of god' you get no where.

Garry

A local council in Adelaide lost when they claimed a tree branch which fell and killed a woman was AOG.. They were found guilty of not maintaining a safe area...


Anyhow, how can an imaginary person do such damage? My son had an imaginary friend who broke things.. Perhaps the same guy?

Originally Posted by discowhite

what the chances of that happening!!!

and whats the chances of the insurance covering it? would they class that as an act of god?

cheers phil

I am an atheist so I would love to know how they could prove it was an act from a non-existant being.



Ivan

"holy $#!T" is an understatement Garry, it's good to see that everyone is ok.
WOW !
Hope it all turns out ok for you..
WOW !

Originally Posted by discowhite
what the chances of that happening!!!
would they class that as an act of god?


cheers phil

I often wonder where this act of God thing comes from when discussing insurance, it is a myth and doesnt exist as a clause in any motor or home insurance policy in Australia and never has as far as I have seen and ive looked at thousands of policies from the first one issued in Aus to the most recent that came in the mail.

More commonly called "Force Majeure" rather than act of god.

If this is the sort of stuff this God fella does, don't know he sounds like too much of a top bloke!