How does a motor truck cargo policy respond if goods are damaged by an act of God, such as a tornado?

A motor truck cargo policy typically provides coverage for damage to goods while they are being transported. However, acts of God, such as tornadoes or floods, often present a unique challenge in insurance. Many policies include specific exclusions for losses caused by natural disasters classified as acts of God. This means that while other perils may be covered, damage resulting from such unpredictable natural events may not be eligible for coverage under the typical terms of the policy.

In this context, considering the definition of an act of God and typical policy exclusions, the position that the policy will not respond to damages caused by a tornado is consistent with standard insurance practice. Therefore, the correct understanding is that these policies often do not cover losses resulting from such natural disasters as they are outside the typical risk scenarios that the insurance is designed to cover.