Damaged aircraft - should I pay?

I understood that "act of God" wasn't covered - same as earthquake.

Tony

--

Tony Roberts
PP-ASEL
VFR OTT
Night
Cessna 172H C-GICE

Right now (1pm West Coast time) on cnn.com, there is a picture of numerous
overturned planes. Presumably insurance pays for this and since I pay for
insurance, should I feel a bit bummed that these owners didn't fly their
planes to safety and help lower my insurance costs? Taking it to the other
extreme, perhaps some owners wanted to upgrade from a 172 to a 182 (for
example) and... Sorry, I just don't get it.

Thanks,

Hilton

tony roberts wrote:

I understood that "act of God" wasn't covered - same as earthquake.

Take a look at your insurance policy. I've never seen that clause in one of mine.

George Patterson
Drink is the curse of the land. It makes you quarrel with your neighbor.
It makes you shoot at your landlord. And it makes you miss him.

ENCYCLOPAEDIA
Hutchinson's
Encyclopaedia

Encyclopaedia Search
Click a letter for the index
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Or search the encyclopaedia:

act of God
Legal term meaning some sudden and irresistible act of nature that could
not reasonably have been foreseen or prevented, such as floods or
exceptionally high tides, storms, lightning, earthquakes, sharp frosts,
or sudden death.

Damage by such an occurrence may be attributed to the act of God, and in
the absence of any contract to the contrary, no person can be held
liable for it. Nearly all insurance forms and shipping charter parties,
and most contracts, have a clause relating to nonliability in the case
of an act of God.
Research Machines plc 2005. All rights reserved. Helicon Publishing is
a division of Research Machines plc.

Take a look at your insurance policy. I've never seen that clause in one of
mine.

George Patterson


Tony
--

Tony Roberts
PP-ASEL
VFR OTT
Night
Cessna 172H C-GICE

Fortunately most of us do not rely on a dictionary to determine what is
covered and what is not covered by an insurance policy. Instead, we
rely on the wording of the insurance policy. Look at the exclusions. If
it is not excluded, it is usually covered. Certainly wind damage is
covered. Fire is as well. Floods as well, unless excluded (Flooding IS
excluded with HOUSEHOLD insurance). Biggest aviation fallacy I have
heard very often, usually quoted by someone who has never owned a plane
(like an instructor), is you aren't covered if you violate a FAR.
Nonsense. If you run a stop sign and run into a car with your car, do
you think your auto insurance does not pay? Almost no one has actually
read their insurance policy, and unless you read it, you will not know.

I was responding, very specifically to the comment:
Take a look at your insurance policy. I've never seen that clause in
one of mine.

With the comment:
Nearly all insurance forms and shipping charter parties,
and most contracts, have a clause relating to nonliability in the case
of an act of God.

I have yet to see an insurance policy (other than Life) which did not
contain this clause.
It may be different in the USA - but in most of the world it is the rule
rather than the exception.

Tony
--

Tony Roberts
PP-ASEL
VFR OTT
Night
Cessna 172H C-GICE





In article .com,
"Doug" wrote:

Fortunately most of us do not rely on a dictionary to determine what is
covered and what is not covered by an insurance policy. Instead, we
rely on the wording of the insurance policy. Look at the exclusions. If
it is not excluded, it is usually covered. Certainly wind damage is
covered. Fire is as well. Floods as well, unless excluded (Flooding IS
excluded with HOUSEHOLD insurance). Biggest aviation fallacy I have
heard very often, usually quoted by someone who has never owned a plane
(like an instructor), is you aren't covered if you violate a FAR.
Nonsense. If you run a stop sign and run into a car with your car, do
you think your auto insurance does not pay? Almost no one has actually
read their insurance policy, and unless you read it, you will not know.

tony roberts wrote:

Or search the encyclopaedia:

Why? It won't tell you what your insurance covers; only the policy will tell you
that.

George Patterson
Drink is the curse of the land. It makes you quarrel with your neighbor.
It makes you shoot at your landlord. And it makes you miss him.

tony roberts wrote:
I understood that "act of God" wasn't covered - same as earthquake.

Does that mean athiests get more coverage?

"tony roberts" wrote in message
news:nospam-41AD8F.20120524102005@shawnews...
I understood that "act of God" wasn't covered - same as earthquake.

If you purchase aircraft insurance that excludes "acts of God" you deserve
the coverage you get.

Tony

--

Tony Roberts
PP-ASEL
VFR OTT
Night
Cessna 172H C-GICE

Right now (1pm West Coast time) on cnn.com, there is a picture of
numerous
overturned planes. Presumably insurance pays for this and since I pay
for
insurance, should I feel a bit bummed that these owners didn't fly their
planes to safety and help lower my insurance costs? Taking it to the
other
extreme, perhaps some owners wanted to upgrade from a 172 to a 182 (for
example) and... Sorry, I just don't get it.

Thanks,

Hilton