Does Car Insurance Cover Rodent Damage to a Vehicle?
Whether or not your car insurance covers rodent damage is dependent on what type of coverage you have. Read on to find out more about rodent damage and how to ensure your car is covered for future incidents.
Should I be Concerned about Rodent Damage to my Vehicle?
Tiny critters including mice, rats and even squirrels can cause vast amounts of damage to cars and other vehicles – from chewing through wiring to burrowing into upholstery. The discovery that rodents have damaged your vehicle is often an unwanted and unexpected surprise. You’ll also be faced with the unexpected expense of repairing the damage – unless your insurance policy covers rodent damage.
What Type of Insurance Covers Rodent Damage?
Unfortunately, if you only have liability or collision insurance, you’re unlikely to be covered for rodent damage, but if you have comprehensive insurance you may be in luck.
If you’re concerned about rodents or other animals damaging your vehicle, comprehensive insurance might be a valuable investment for you. The cost of comprehensive insurance is not always a lot more than basic insurance.
Most comprehensive insurance policies cover a wide range of events beyond collision – from fire to vehicle theft and rodent damage. Consult with your insurance provider to determine exactly what will be covered should you choose to upgrade to comprehensive insurance.
Details and Deductibles
If you choose to increase your coverage to comprehensive insurance, make sure you discuss the details of the policy with your provider – for example, will you be expected to pay a deductible? Ensure you choose a policy where you can afford the deductible should you need to pay it, and one that makes the cost worth it should you need to make a claim.
While you may be familiar with dollar-amount deductibles, some insurance policies instead carry a percentage deductible – for example, you pay a percentage of the damage, no matter how high the total cost of the damage may be. Ensure you have a thorough understanding of how this will work when you discuss your policy with your insurance agent.
Make sure you know exactly what’s covered if you change policies. If you’re concerned about rodent damage, ask specifically if rodent damage is covered. The specifics of exactly what is and is not covered can be complicated. Ask for details about any exclusions that may apply.
If you have already found rodent damage to your car and have comprehensive insurance, you may be covered. Call your provider to find out and discuss your policy for any future incidents.
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