Question 1: Are my seats covered from damage caused by a rat?
I came back from a vacation to this absolute horror show. I opened my car, and it smelled like death. When I turned on the A/C, it smelled 10 times worse. A rodent definitely died in the vent system. According to the dealership, it is deep in there and will take 7-8 hours to remove. He even chewed a hole in the passenger seat. I called the insurance company and they said they will cover any damage caused by the rodent, but not the removal of the carcass. Isn't the smell that is preventing me from driving the car considered damage? How do I avoid a disastrous bill here?
-Nightmare in New York
That is definitely a nightmare in the making! Sorry you're having to deal with that. When there is an animal-involved incident, your comprehensive coverage would pay for the damages to your car. The insurance company will have to pay to repair the damage that was done to the car.
Unfortunately, this doesn't mean that they have to pay for the removal of the rodent. That is something that the insurance adjuster would determine. If you feel that the insurance company should pay for the removal, then you will have to dispute the claim with your insurance company. Technically the smell of a car is not a reason that will make the car undrivable. On a side note, there are sprays you can buy that will prevent animals from crawling into your car and chewing wires causing even more damage.