Ask an Agent
Have a question? We're here to help.
Ask an agent for free
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?

Jul 17, 2016 Appleton, WI

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

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!

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

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.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

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.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Does a vehicle need car insurance if its in storage in Virginia?

In Virginia, if a vehicle is not registered, parked on private property, and not being driven, then it does not need to be insured. Virginia law does require that a vehicle be insured before it is registered, so you'll want to keep in mind if it starts getting used for more than just storage, …
Aug 31, 2016 Dumfries, VA

My musical equipment stolen from friend's house covered by insurance

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure. The tricky thing has to do with the value of the assets. If your music…
Jun 21, 2018 El Paso, TX

Can I add coverage after I've had an accident?

Unfortunately you cannot add collision coverage after an accident and then use that coverage for the accident; your coverage only becomes applicable for accidents that occur after you add the coverage - not before. The date of the accident is what they look at, not when you file the claim. At this …
Dec 23, 2017 Lee's Summit, Missouri

What should I do with my car insurance after I pay off my car loan?

3. It depends on the value of your vehicle. The answer to your third question is subjective and up to each individual to decide what suits their needs best. That being said, you should try to get a fairly accurate idea of your vehicle's actual cash value (ACV) since that is what GEICO would pa…
Jul 11, 2018 Slidell, LA