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Yes, car insurance covers acts of god if the policyholder has comprehensive insurance. Comprehensive coverage pays to repair or replace a car that was damaged by something besides a crash, such as a natural disaster, an animal, or vandalism. "Acts of God" like an extreme weather event, a fallen tree, or a fire will all fall under comprehensive insurance.
Comprehensive insurance is subject to a deductible, which means that it might not be worth filing a claim if the damage is minor. However, filing a comprehensive claim will have less of an effect on your future insurance rates than a claim for something related to your driving habits, like an at-fault accident. Damage covered by comprehensive insurance is generally out of your control, after all.
For more information, check out WalletHub’s complete guide to comprehensive insurance.
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