Acts of God are inevitable events taking place unexpectedly, unforeseeably, exceptionally and irrupt independently from human behaviour and uninfluenceably from outside. Acts of God include e.g. extremely heavy gales and storms, rockfall or floods, earthquakes, volcanic eruptions, taking of hostages, war, disturbances / riots, nuclear and reactor accidents and similar events.
However, if the event can certainly be expected (for example in the case of floods always occurring in the same regions), it is not considered an Act of God.
If a claim is caused under the influence of Acts of God, the responsible person is no longer held liable for. For example, if – during a heavy storm – a tree falls onto a parked car, the owner of the tree is not held liable for the incident. In this case of an Act of God, the partial cover insurance of the vehicle covers the natural hazard. If, however, the tree should have been rotten, the tree owner would have been held liable and his/her private liability insurance would have to pay for the damage.
