ACTS OF GOD

Where I grew up and first learned to drive, there was a weird little piece of legislation that said accidents that occurred while sneezing were acts of God and therefore not covered by almost any insurance. Luckily for me, hay fever wasn’t a problem there. It is, however, a problem where I live now, and I have frequently sneezed, veered a bit, recovered and wondered what the situation would be should I one day veer into something while sneezing. Are hay fever-induced incidents covered by any insurance anywhere? Or are such things a convenient loophole for insurers not to pay? And has anyone ever stopped to work out how many accidents do occur, on a global or national, annual or monthly basis, because someone sneezed?