>>There is ALWAYS blame assignable, even if it is mechanical
>>failure. There are no 'accidents'. Just stupid decisions made
>>by drivers, be it drinking, speeding, lane changes, running
>>lights, failing to be rested, failing to maintain vehicle etc.
>>
>
> What about 'acts of god'?  Does he have insurance you can claim against?

God carries His own risk :-)
(as the insurance industry would put it).

So called AOG are liable to be a small percentage of all.
What AOG MEANS in this context are events which are so improbable and/or so 
expensive to avoid that it is not reasonable to plan for them - you just 
accept the consequence. This may be eg a large bird smashing through your 
windscreen (mesh over road, tunnels, antibird auto-gatlings), a bolt etc on 
the carriage way fallen off a truck or trailer or part of a vehicle that 
causes an accident (all trays covered, death penalty for unsecured loads, 
all parts engraved with your ID etc), Tornado when weather conditions 
predict there certainly won't be one, Lightning, Fish dropped by water spout 
.... .

Realistically, almost everything you really see could have been done better.
Road was greasy after rain (often is), diesel dropped on road when cap left 
off (it happens, it often enough kills people, check the cap properly 
always), retread on truck tyre flies off and impact car (standards, 
inspection, you KNEW it was past service life,  ...), failed to take bend 
(slow down / sleep more/ drink less/ pay attention / ...), yada yada yada  .

Mainly it's people, directly or indirectly.




        RM 

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