Is an “Act of God” accident my fault?

Is an “Act of God” accident my fault?

sp-2-financial-troublesWe often get asked the question, is an “Act of God” accident my fault?  Many people tend to think that  an “Act of God” accident is not their fault.  These are  accidents that generally tend to happen due to inclement weather conditions such as heavy rains, fog, snow,  storms, black ice etc.

Although some of these incidents may be hard to prevent, it is always up to the driver to operate with extreme caution and drive according to the weather/road conditions.  This means if weather conditions are bad — please slow your driving speed and drive with caution.  It also means that you must ensure that your vehicle is in proper mechanical condition at all times; good tires and vital,  as are well-functioning windshield wipers and a proper supply of windshield wiper fluid so that you have a clear and unobstructed view of the road.  In inclement winter weather, simple things like clearing your side view mirrors, headlights and rear brake lights, can all help prevent accidents.

Even if an accident occurs and it doesn’t involve another vehicle, the accident will still be viewed as an “At Fault” accident.  Remember that an accident will always remain on your insurance history reports, so you will want to always have no more than 2 minor convictions in a 3 year span.    In most cases, 3 or more minor convictions in the preceding 3 years will not allow you to qualify with most vehicle insurance companies.

In the event that you have encountered a patch of bad luck, SweetLemons Insurance Programs is here to help.  Our professionals will analyze your unique situation and quickly get you on the road to driver recovery so that you regain your former lower insurance premiums.