🌩️ Act of God (ईश्वर की क्रिया) – Explained Simply in English & Hindi
🔍 Definition (परिभाषा):
Act of God refers to a natural event that is beyond human control or prevention, which causes damage or loss.
In Hindi, इसे कहते हैं: "ईश्वर की क्रिया" या "दैवीय आपदा"।
🌪️ Examples of Act of God (उदाहरण):
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Earthquake (भूकंप)
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Flood (बाढ़)
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Lightning (आकाशीय बिजली)
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Tsunami (सुनामी)
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Volcanic eruption (ज्वालामुखी विस्फोट)
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Hurricane or Cyclone (तूफान या चक्रवात)
⚖️ Legal Use (कानूनी उपयोग):
In insurance and contracts, "Act of God" is a legal term used to explain events that:
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Happen without human intervention,
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Are unpredictable, and
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Free the parties from liability.
👉 Example:
If a tree falls on a house due to a storm, it may be considered an Act of God, and whether insurance covers it depends on the policy.
📑 In Insurance (बीमा में प्रयोग):
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Some insurance policies include Act of God cover.
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Others exclude it unless specifically added (called "add-ons" or riders).
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For example:
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Car Insurance may not cover flood damage unless the "natural calamity" cover is selected.
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Home Insurance might cover earthquake damage only if added separately.
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🧠 Important Points (महत्वपूर्ण बातें):
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Always check your policy’s terms and conditions.
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Ask your insurer: “Does this policy cover Acts of God?”
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You can often buy extra coverage for natural disasters.
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