 Does anyone have any ideas on how to fix the insurance market in Florida? |
| Specifically the homeowners market. Its crashing - everything is having to be placed with Citizen's and thats not what it was designed for. If you're from FL you know what I'm ... |
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 Insurance Rear End Accident Dispute? |
| I was hit in the rear end in June, as i moved lane prior to the accident the other party is disputing the claim, 30 seconds after i moved in to the middle lane the traffic stopped causing me to brake ... |
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 Do All states require you to drive with Insurance? |
New York
Texas
Michagan (right or wrongly spelled?)
etc........?... |
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 Life insurance-contingency? |
| I sound like I am snooping on my husband...tell me what this means...he told me that I have 100% of his life insurance policy if he dies. He told me that he would want me to give 20% to him mom and 2... |
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| Insurance for my baby? |
I am researching insurance options for my baby. The baby will be born in few months. I know that the baby will be insured 30 days after he is born.
This is my question. Should I find an ... |
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 Urgent question about medical insurance for college students!!!??? |
I'm a student at a major university in the state of Washington (not that it matters for the question I guess).
I'm still on my dad's insurance but it's going to expire ... |
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 Car insurance...need help!? |
Can a person get car insurance for a car that they do not own?
I presently drive a car in which the title is under my ex's name.
I really do not want to have to deal with my ex at all. ... |
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 I would like to get life insurance. It would be better to get it for my wiufe because I smoke.? |
I have found some that qoute $48 dollars a month for a $1 million policy. For me it would be $485 a month. Do you think this is a scam? What do you think is the best life insurance?
A... |
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 Where can I go from here? What about a CPCU Designation? |
| I'm 23 yrs old and I have 5 years experience in working as a property and casualty agent. I've worked for GEICO and Nationwide, I am currently working at a Nationwide Agency and I work with ... |
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CHEESY ♥ | How come my homeowners insurance covers ACTS OF GOD? |
What the hell is that supposed to mean? |
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christina h
 |
Acts of God simply means things that are not in our control. Such as, tornadoes, hurricanes, any other natural disasters.
Charlie D: That's not true. I can assure my homeowner's policy, the actual paperwork, says ACT OF GOD. I know this because I buy the insurance hubby is horrible at knowing what to get and how much to get. Even some small claims court use the term. Such as if a neighbor's tree falls in your yard. They have to determine whether it was an act of God or if the tree showed signs of distress before it fell. I have heard judges use the term ACT OF GOD in the courtroom. |
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Sunshine
 |
I'll have to agree with Alan L. He gives a good answer. |
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Alan L
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An act of god in the insurance context refers to a legal term of art, which exists even in today's legal vocabulary.
Black's law dictionary defines an act of god as, "an overwhelming event caused exclusively by forces of nature, without the possibility of prevention and without intervention by any human agency; examples are earthquakes, floods, and tornadoes - Also termed act of nature."
Because this term of art has been defined by years of case law, insurance companies throw this language in to make sure that these "acts of god" are covered. |
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Panos
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shhhhhhh dont tell them cose they will withdraw it.you know they dont like paying out.means an earthquake or if you lose your roof on a windy day.keep stoomph and you get a pay out lol |
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mbrcatz
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Well, your homeowners policy does NOT cover Acts of God. Read the policy. Nowhere in there, does it refer to acts of God.
Likely it covers wind, fire, hail, lightening and a myriad of other things. "Acts of God" is not covered. It's also not excluded. Because it's NOT AN INSURANCE TERM. So you won't ever see that term used by a professional, when you talk about insurance.
Only people that haven't read the policy, and don't know much about insurance, use that term. |
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Queen B
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What the hell...do you NOT want it? read your policy since you don't seem to know what this means. i'm pretty sure once you figure it out, you'll be glad its in there |
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Charlie D
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Read your policy again.
NO insurance policy uses the phrase "ACTS OF GOD".
Where do people get this idea from? |
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