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 is designed to provide coverage for goods being transported over land. However, the circumstances under which damages are covered can vary depending on the specific terms outlined in the policy. In the case of an act of God, such as a tornado, these events are typically considered extraordinary natural occurrences that often fall under exclusions in insurance policies.

The rationale for why the policy may not respond in this scenario is rooted in the nature of "acts of God." These occurrences can be sudden and unpredictable, resulting in significant damage without any fault or negligence involved. Insurers may limit coverage for such events due to the inherent risks associated with natural disasters, as they cannot be controlled or anticipated.

It's important to review the specific wording of the cargo policy since various insurance providers may have distinct clauses regarding acts of God. Some policies may offer limited coverage or specific endorsements that address these types of risks. However, when no such coverage is specifically provided, the general understanding is that a motor truck cargo policy would not cover losses resulting from an act of God.