"Acts of God" In Car Insurance

One practical lesson I've learned from the recent floods is to check our auto insurance quote to see if it covers for "acts of God". I admit that I never looked into that detail before. After Typhoon Ondoy, that was the time that I became of the term "acts of God" and that it can actually be covered. When I checked my insurance policy, I was dismayed to learn that my car insurance does not cover "acts of God". Good thing it wasn't in any of the flooded areas at that time, but if it were, that would have been a big, big expense on my part. Oh my...