Does Auto Insurance Cover Rodent Damage?

As with every other things, with car ownership, unexpected incidents can occur, including damage caused by rodents. These small creatures can wreak havoc on vehicles, causing significant harm to wiring, insulation, and other car components.

If you’re wondering whether your auto insurance will cover rodent damage, this article will provide you with the information you need.

How Much Damage Can Rodents Do to Vehicles?

Rodents such as mice, rats, and squirrels have a natural instinct to gnaw on objects, including the wiring found in vehicles.

They are attracted to the warmth and shelter cars provide, making them an ideal place to nest. Unfortunately, their chewing habits can lead to costly damage, affecting the functionality and safety of your vehicle.

Does Auto Insurance Cover Rodent Damage?

Whether your auto insurance policy covers rodent damage depends on the type of coverage you have.

Standard liability coverage typically does not include protection against rodent damage. However, comprehensive coverage is designed to address a range of non-collision incidents, including damage caused by animals, such as rodents.

Comprehensive Coverage and Rodent Damage

Comprehensive coverage is an optional add-on to your auto insurance policy that provides protection for damage not resulting from accidents with other vehicles.

It covers various scenarios, such as theft, vandalism, natural disasters, and yes, rodent damage. If you have comprehensive coverage, you can file a claim for the repairs needed due to rodent-related harm.

Coverage Limitations and Deductibles

It’s important to review your auto insurance policy to understand the limitations and deductibles associated with comprehensive coverage for rodent damage.

Some policies may have specific limitations on the maximum amount covered for repairs caused by rodents.

In addition to that, a deductible, which is the out-of-pocket amount you need to pay before the insurance kicks in, may apply.

Steps to File a Claim for Rodent Damage

If you discover rodent damage to your vehicle, follow these steps to file a claim with your insurance company:

1. Document the damage: Take clear photos of the affected areas, including any visible signs of gnawing or chewed wires.

2. Contact your insurance provider: Notify your insurance company about the rodent damage and inquire about the necessary claim procedures.

3. Provide supporting evidence: Submit the photos and any additional documentation required by your insurer to process the claim.

4. Arrange for an inspection: Your insurance company may require an inspection of the vehicle to assess the extent of the damage.

5. Get repair estimates: Obtain repair estimates from reputable auto repair shops to submit to your insurance company.

6. Follow the claims process: Cooperate with your insurance provider throughout the claims process and provide any requested information promptly.

Preventive Measures to Protect Your Vehicle

While comprehensive coverage can provide financial protection against rodent damage, it’s always better to prevent such incidents from occurring in the first place.

Here are some preventive measures you can take to safeguard your vehicle:

1. Park in a garage or enclosed area whenever possible.

2. Keep your surroundings clean and free of food debris that might attract rodents.

3. Use rodent deterrents, such as ultrasonic devices or natural repellents.

4. Seal off entry points: Inspect your vehicle for any openings or gaps where rodents can enter and seal them off with materials like steel wool or wire mesh.

5. Use rodent-proof covers: Consider using specialized rodent-proof covers for your car’s wiring and other vulnerable areas.

6. Regularly inspect your vehicle: Check under the hood and around your vehicle for any signs of rodent activity, such as nests or chewed materials.

7. Stay vigilant: If you notice any rodent activity near your car, take immediate action to deter them and protect your vehicle.


Rodent damage to vehicles can be a frustrating and costly problem for car owners. While standard liability coverage does not typically cover such damage, comprehensive coverage can offer the necessary protection.

It is essential to review your auto insurance policy to understand the coverage and limitations associated with rodent damage repairs.

Some FAQs

1. Does liability insurance cover rodent damage to my car?

No, liability insurance does not cover rodent damage. You need comprehensive coverage to protect against such incidents.

2. Will my insurance rates increase if I file a claim for rodent damage?

Filing a claim for rodent damage may or may not impact your insurance rates. It’s best to consult with your insurance provider for specific details.

3. Are there any exclusions or limitations in comprehensive coverage for rodent damage?

Some policies may have limitations on the maximum coverage amount or specific deductibles for rodent-related repairs. Review your policy for details.

4. What should I do if I suspect rodent damage to my vehicle but can’t find any visible signs?

If you suspect rodent damage but cannot find any visible signs, it is advisable to take your vehicle to a professional mechanic for a thorough inspection.

5. Can I prevent rodent damage to my vehicle completely?

While it is challenging to prevent rodent damage entirely, taking preventive measures like parking in enclosed areas and using deterrents can significantly reduce the risk.

You May Also Like