Hit an animal - act of God - good or bad?

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Gorgeous_George
Gorgeous_George Posts: 7,964 Forumite
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in Motoring
Hi

A friend has hit an horse in his car. The car is written off and he has some injuries. His insurance company say they treat this as an act of God.

What does that mean in practice and what else could he do?

Thanks

GG
There are 10 types of people in this world. Those who understand binary and those that don't.
«13

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  • ixwood
    ixwood Posts: 2,550 Forumite
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    Act of God just mean "anything not listed isn't covered" doesn't it?
  • SPANIEL36
    SPANIEL36 Posts: 1,905 Forumite
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    dont want to sound stupid or harsh but how did he hit a horse?
  • willowbob
    willowbob Posts: 11 Forumite
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    Does your friend have fully comp. insurance? if so, he should be able to claim no matter what...did the horse escape from its field? If so, I would be inclined to pursue the owner. As far as I knew, the only domestic animal you cannot be liable for hitting is a cat, so I guess he must be careful that the owner doesn't come after him. Unless it is a semi-wild horse? Although even if it is a Dartmoor pony, they are still owned by people.
    Also, what if your friend doesn't believe in God?
    It's not a bargain if you don't need it... :idea:
  • Gorgeous_George
    Gorgeous_George Posts: 7,964 Forumite
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    I think his cover will be 3PF&T :(

    The horse did not have a rider and was on the road.

    Hitting animals is not unusual in the countryside. I read of a chap who hit a cow on the A303 in Somerset the other week (clicky). Sadly, he died.

    GG
    There are 10 types of people in this world. Those who understand binary and those that don't.
  • mystic_trev
    mystic_trev Posts: 5,430 Forumite
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    Deer can be a bloody nightmare, particulary early evenings or mornings. I used to have to drive across Ashdown Forrest to get to work and had several narrow escapes!
  • megp
    megp Posts: 9 Forumite
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    What happened to the horse?
  • Gorgeous_George
    Gorgeous_George Posts: 7,964 Forumite
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    megp wrote: »
    What happened to the horse?

    Neigh idea.

    GG
    There are 10 types of people in this world. Those who understand binary and those that don't.
  • SPANIEL36
    SPANIEL36 Posts: 1,905 Forumite
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    Gorgeous_George wrote: »
    Neigh idea.

    GG
    tut tut!!.....
  • Gorgeous_George
    Gorgeous_George Posts: 7,964 Forumite
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    ts_aly2000 wrote: »
    Act of God?? What if he'd hit a tree?

    That would have been his fault.

    My view is that the owner of the horse should be liable. I guess the insurers (of the car) won't be very helpful.

    GG
    There are 10 types of people in this world. Those who understand binary and those that don't.
  • Gorgeous_George
    Gorgeous_George Posts: 7,964 Forumite
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    SPANIEL36 wrote: »
    tut tut!!.....

    That would be a rabbit.

    GG
    There are 10 types of people in this world. Those who understand binary and those that don't.
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