How can an atheist claim insurance for an Act of God?

So who’s to blame for natural disasters? The current culprit is God. Anything awful happening on the planet and it’s an “Act of God.” Meaning what exactly? Meaning God caused an earthquake to happen? Or that he made the river burst its banks, or that he blew the lid off a volcano?

So he’s that personally involved, is he? Not that we believe he’s personally involved in anything else going on in our lives, it seems, but disasters, oh yes, God’s suddenly very real, directly involved and totally to blame.

Imagine being an atheist, then, when he makes an insurance claim for damage to his property by an Act of God. The insurance agent says, “I hear you’re an atheist; is that right?”

The atheist replies, “Yes, I am.”

So the agent says, “You don’t believe in God, then, do you?”

Well, as a committed non-believer the atheist has to say, “No I don’t.”

“In that case,” the agent continues, “why, if you don’t believe God exists, are you making a claim for damage that he caused? You can’t blame God for damaging your property and expect a refund for it if you don’t believe he exists, can you?”

But, the atheist argues, the phrase “Act of God” is just a legal term for describing a disaster not directly caused by humans. It doesn’t have anything to do with whether you actually believe in God, or not. But yes it does, the agent replies, because atheists aren’t against the use of God’s name in connection with disasters, are they? Clearly, it’s very acceptable to atheists to blame God for disasters.

Atheists get all kinds of support from Christians on this point too, because when disasters happen Christians are also quick to blame them on God. A terrible earthquake kills thousands of people, including innocent children, and up pops the usual crop of Christians who squawk and screech that it’s “punishment from God,” or that damned sinners are only getting what they deserve.

But that raises another question – for Christians this time. How can a Christian make a claim for damage to his property due to an Act of God if God meant the damage to happen, and included the Christian’s property in it?

“You believe this is an Act of God, right?” the agent asks the Christian.

“Yes I do,” the Christian replies.

“So,” the agent asks, “why would you as a Christian be claiming a refund for what God did to you, when you believe it was God’s will that it happened?”

So if atheists and Christians can’t claim damage for an Act of God, who can?

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