Does my insurance cover rodent damage to a car?

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Things to remember...

  • If you find that rodents have damaged your car, your first concern may be getting your vehicle repaired
  • If you have comprehensive coverage, you may be in luck if a rodent causes damage to your car
  • Comprehensive coverage provides coverage for events that are not related to a collision, meaning damages caused by animals
  • Your insurance provider can help you to determine if your policy carries the correct coverage for such an incident

Rodent damage can happen to any car at any time, meaning you never know when you need to be prepared for a loss.

If you carry comprehensive coverage on your policy, then you may find yourself covered for just such an incident.

However, there are a few things to remember about comprehensive coverage and just what it covers on your car.

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Comprehensive Coverage Carries a Deductible


Comprehensive coverage is an option on your insurance policy that can help you repair or replace your vehicle in situations that are not related to a collision.

With your comprehensive coverage, it’s important to remember that there is often an insurance deductible that will apply.

The deductible on your policy is in place to help your insurance provider keep their costs lower since you will be responsible for a portion of the loss.

Your insurance provider may require you to pay the deductible up front, or they may reduce any claim settlement by the amount of your policy’s deductible before completing your settlement.

Your deductible can vary in the amount, meaning it can be a dollar amount or it can be a percentage of your loss.

Different providers offer different options to their policyholders, meaning that the deductible one provider requires may be different through another.

If the terms of your current coverage are not meeting your needs, look at other options. Some insurance providers offer benefits for years free from claims, such as a deductible that may reduce in cost each year you remain claim-free.

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Comprehensive Coverage Protects From Losses Unrelated To a Collision

When it comes to damages caused by rodents, comprehensive coverage is going to be your best bet for getting your loss covered.

Comprehensive coverage is an option that protects you from losses that are not related to a collision, meaning losses that are more accidental fall under this option.

The option often costs less than collision coverage because the claims involve fewer individuals and the loss amount may be smaller.

For instance, comprehensive coverage protects your vehicle in several different scenarios, including when a rodent chews through your car’s electrical wiring.

If you find that a rodent has chewed through these components, your insurance provider would require an inspection of your vehicle and, if the loss was caused by rodents, normally provide coverage for your loss.

Comprehensive Coverage May Come With Exceptions Or Exclusions


There are some situations where your comprehensive coverage can protect you from a loss, but there may be exceptions or exclusions to your coverage as well.

It’s important to remember that this may mean something you would consider a covered loss may not be covered under this policy option.

One example of loss that is not covered under comprehensive coverage is damaged caused by a pothole. While some would consider this accidental, it is often considered a collision covered loss by your insurance carrier.

Additionally, personal belongings that are stolen from your car during a theft would not be covered, although the vehicle itself would be covered. Personal belongings are normally covered by a homeowners or renters insurance policy; your auto policy does not normally cover these losses.

Damage caused by rodents is one of the traditionally covered loss events since damages caused by animals are often considered accidental.

It’s important that you speak to your insurance carrier about your policy coverage and any exclusions that may apply.

If you have questions about whether or not your policy protects you from these types of losses, speak to your carrier before the incident occurs; they are not obligated to provide coverage after an event if you do not carry the coverage before it occurs.

If You Have Comprehensive Coverage, You Could be Protected


Comprehensive coverage protects you and your car from a wide range of potential losses, including damages that may be caused by rodents.

There are different reasons why your coverage may not apply to a loss, so it’s important that you understand the terms of your policy coverage and the benefits you can receive from carrying this coverage option.

Speak to your insurance provider about your policy, the loss events that will be covered, and the situations where coverage may not apply.

If your current provider is unable to meet your coverage needs, remember that you have the option to pursue coverage through another carrier. It is always an option to speak to other providers to get quotes on coverage that better suits your needs.

If you are looking to switch your auto insurance today and want the best rates, start comparison shopping by entering your zip code below!

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