Question
Does car insurance cover rodent damage?
I went on vacation for 2 weeks and when I came home my car wouldn't start. My brother is a mechanic so he came over to take a look at the vehicle and he noticed that some of the wires under the hood were completely chewed through by some sort of squirrel or rodent. Can I file a claim for this with my insurance company?
Answer
Sorry to hear about your misfortune! Luckily enough, you should be able to file this claim through your insurance company assuming that you have comprehensive coverage on your policy. Comprehensive covers most damage to your vehicle that wasn't the result of an accident. This would include things like hitting an animal, hail damage, and theft. In your case, the rodent chewing through your wires will likely be viewed as an "act of God" which is normally covered under comprehensive. If it's your first comprehensive claim, your premium should not increase by all that much. On average, a comp claim will raise your rate by 4.35%, or $64 a year. You will want to confirm that you do have this coverage, but your insurance company should be able to answer that and start the claims process for you if it is part of your policy. Best of luck!
Insurance is complicated, but it doesn't have to be.
The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.
Step 1: Tell us a little about yourself
Choose an insurance product and enter your zip code to get started.
Step 2: Sip your coffee while we find the best quotes
Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.
Step 3: Compare your quotes
Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.
Step 4: Let our agents do the hard work for you
Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.