Sometimes I believe in it, sometimes not. I know a few people who I say Karma will always get them and it never does, they just go on be jackarses!!
As for the insurance company, what kind of malarky is that?? An act of God!! I think they tried to fluff you off and unfortunately it worked Mike. It's too late now, but I would have demanded action by them. If it fell on your car you can darn well be sure they'd pay for that, how is this any different? It was still the same act of God!
What if you don't believe in God
I'm in the industry and between Paul and myself, we have had insurance companies try that line on more than a few sitations where it was not true and would be covered if pursued.
Joey