Q: A tree fell on my car. Is this an act of God?
A: An act of God is basically a way of saying mother nature caused the accident. For example, in the middle of a tornado, a tree may land on your car. No one is responsible. It is an act of God. Sometimes, just because the wind blows it over, it is not an act of God. For example, if you do not maintain a tree and let it die, then a breeze comes by and the tree falls over, this is not an act of God.
It is always a question of fact, but ask yourself if other trees in the area are down. If so, it is more likely an act of God.