One of the single dumbest things ever birthed by the insurance industry is the phrase “Act of God”. It basically describes any natural disaster, but does so in the most face-palming language ever. Ricky Gervais takes it on:

I watched a Billy Connolly movie not too long ago called “The Man Who Sued God”, in which a lawyer-turned-fisherman sues the Catholic, Anglican, Episcopalian and Jewish churches in Australia, as representatives of God on earth. It was a pretty funny jibe at how much those churches really believe in God – either they deny that He exists (and commit fraud) or they admit He does (making them legally liable as representatives of a pseduo-corporate entity). While the ending of the movie was complete garbage, the first 4/5 is pretty good.

It seems to me (and to Billy Connolly’s character) that since the whole point that we buy insurance is to protect ourselves against unforseeable circumstances, the “Act of God” clause is just a filthy cheat. Then again, if you were expecting fairness and justice from insurance companies, maybe someone needs to sit you down and explain a few things.

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